BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
According to the credit Bureaus I have 2 account with XXXX XXXX XXXX. I do not have 2 accounts with XXXX XXXX XXXX. It also shows that one or both is a secured card with a security amount of XXXX. It does not show what bank account or credit card number was used to fund this account nor does it give me information about how this XXXX balance was rendered. 
When I reached out to the company both via mail and phone I was told its was verified. They also sent me some documents that appeared to be an application. I contacted them via phone and wanted to speak to the legal department, they returned that this is not a legal issue its a customer services issue and someone would call me to have the information removed. That was 10 days ago, I 'm filing this complaint because, I 'm having trouble getting the account properly disputed with the credit bureaus and when contacting the creditor it is equally as non- informing.

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 2017-10-03
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
We had a credit card open for XXXX year with Barclays Bank it was the arrival plus XXXX. They shut my account down due to undisclosed reasons and I can not redeem my reward points with I had earned I had XXXX points.

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 2017-10-03
Company: Grant & Weber
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Grant and Weber trying to collect a debt of XXXX. 
Was fully insured for the procedure this is a mistake

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 2022-04-07
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
My credit is frozen. I received the attached letter stating my application for a store card was denied. It is dated XX/XX/2022, and the email notification was received at XXXX on XXXX. 

I did not apply for a credit card/store card with this company, and want to file the complaint against XXXX XXXX for violating the Truth in Lending Act. 

I DO have a profile with XXXX XXXX and shopped there last week, and did a return/exchange of a product at XXXX on XXXX, when I suspect my application was run or held for submission. 

Thank you for accepting my complaint.

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 2021-06-11
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: Credit inquiries on your report that you don't recognize

Complaint:
I used XXXX XXXX to freeze my credit I didn't authorize any one to report anything! I have been in XXXX XXXX since 2004 I have not been able to get a bank account in my name at all! It's all inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02
Company: Factor Trust
State: TX
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:
hello i have some inquiries that i didnt apply for i have about XXXX hard inquires from XXXX and im a victim of identity theft and i didnt apply for a bank accounts in my name the only bank account i apply for is XXXX XXXX the others are fraud and i contacted XXXX inc about this and they told me to call the banks and send a letter in writing and i dont have any stamps and i dont work and i still getting denied to open up a credit union account and they dont have a freeze system and the rep was rude to me and kept me on hold for a long time

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I cant give dates because the loans were for my daughter and didnt know I owed any money until I was notified by phone. I had to give my income information due my daughter still lived at home and was under age XXXX. I told the lady in the financial aid office I only wanted my daughter to receive money that didnt need to be paid back. I signed for her to get Grant money but my signature was then used for XXXX XXXX loans which I had no idea was done until XXXX months after she graduated and was notified the money was owed. She graduated in XXXX I think. Sorry I dont have much information but XXXX I was never sent any information and second the school she attended is now closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, the following accounts have violated my rights : -XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Account # : XXXX -XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account XXXX : XXXX -US DEPT ED Account # XXXX XXXX -US DEPT ED Account # : XXXX -USDOE/XXXX Account # : XXXX 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.

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 2021-12-01
Company: Experian Information Solutions Inc.
State: AZ
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:
I have provided Experian a XXXX letter with hard evidence against XXXX XXXX XXXX XXXX against unfair credit reporting acts Showing I was not late in the month of XXXX. However, they keep going back to XXXX XXXX and they keep reporting me late. However, it is not late in the month of XXXX on XXXX and XXXX, just Experian. I have also tried going through the XXXX to get it resolved but they too have neglected to correct the information even after they provided me HARD proof that it was indeed a payment in the month of XXXX before the due date. Now I am opening a dispute against Experian for failing to conform to the LAWS in Section XXXX refers to in the Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Santander admitted in a class act settlement to using predatory loan tactics and I was one of the people affected. Dealers were working with Santander to use an internal scoring system to qualify people for loans instead of using a fair system to show me all the different companies I could have used to get my first car financed. Due to the dealership inflating my income and Santander 's internal scoring system I was doomed from to beginning of my car loan. I have had 6 extensions and a repossession and almost 4 years later I have only paid of 25 % of my loan. When reading the qualifications to be included in the class action lawsuit on paper I had all the qualifications except the internal score in which Santander only knows. This is unfair due to the company being able to pick what accounts are eligible and which ones are not even if they should qualify due to the terms of the settlement agreement. I reached out to Santander on several occasions to get some type of relief but they said that because I didn't default on my loan I wasn't included. My car was repossessed and I paid half of it one week and the other half of it a week later so the days of delinquency rolled back when it was over 90 days but it just wasn't reported to the credit bureaus yet. I have requested my application that had my income information to see if it was altered by the dealer and they stated they didn't have that information and to reach out to the dealer and the dealer said that they didn't have that information and to reach out Santander because they should have it and now since the lawsuit has come up in which these were their faulty business practices and also the dealer who sold me my car is no longer there I am not sure what to do Over the last few weeks I have reached out to Santander Consumer USA at least 10 times. I spoke with the executive team there. It has been a run around with this company especially when I know for a fact the things in the settlement happened to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX XXXX {$2400.00} I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Thank you for your time and help in this matter.

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 2020-12-22
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: Information belongs to someone else

Complaint:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2019-07-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WI
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:
On XX/XX/2019 My wife and I sold our home and paid off a second mortgage. We moved to Wisconsin to be closer to family when we retire. One Main Mortgage reported the account paid in full. XXXX reported it as a short sale. The mortgage company says they did not report it this way and the credit report says they did. While they are pointing fingers at each other we were told that we CAN NOT PURCHASE A HOME FOR THREE YEARS!!!!! 
While they may not care or feel amused by this I assure you we are not. 

My wife and I would appreciate any help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-10
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted a CFPB complaint in XX/XX/2019 that FedLoan was not providing any information to me about how many qualifying payments I had made for PSLF ( at the time, FedLoan was saying I had made 0 qualifying payments and would not update my records, despite my making payments and having employment certifications covering over five years ). In response, I received a letter from FedLoan dated XX/XX/2019, that said I had made 42-43 qualifying payments. At least 18 payments are missing from this calculation. I asked FedLoan for information about what payments it deemed to be qualifying and not qualifying, as previously a FedLoan representative had told me that FedLoan was not counting any payments that I had made to Navient ( the previous servicer ) as qualifying, because XXXX had not provided payment information to FedLoan. FedLoan told me in XX/XX/2019 that it would take 1-3 months to send me information about what payments it deemed to be qualifying and not qualifying, and the basis for the " not qualifying '' payments. I still have not received this information, and my qualifying-payments calculation is still missing over 18 payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a loan with chase auto and was in a car accident the car was totaled and my insurance company XXXX told me not to make the payments because they were going to pay the car off but it took them 3 months to do it but I kept following up with both XXXX and chase but some how they are reporting it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This complaint is about the application of monies to Transfer Balance The type of problem I am having is the application of excess interest to my account because the Transfer Balance amount subject to interest has remained the same over the past nine statement periods from XXXX XXXX to XXXX XXXX. 
What happened is over the past nine statement periods the Transfer Balance amount subject to interest has remained at an average of {$1200.00} despite consistent payments totalling {$750.00}. In XXXX XXXX and XXXX XXXX I submitted written disputes to Barclays regarding the respective {$1200.00} and {$1200.00} Transfer Balances subject to Interest. With regard to my XXXX XXXX written dispute, Barclays did provide a written response however ( 1 ) the dispute failed to address ( answer my questions ) my dispute and ( 2 ) Barclay 's response stated that I should call them, when dispute guidelines clearly state " You may call us, but if you do we are not required to investigate any potential errors ... '' This 'request ' that I call them was very offsetting.

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 2019-06-13
Company: Experian Information Solutions 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:
Hello I wanted to let you know about a couple of things on my credit that are not mine. I was trying to help my mom get a car and they told me that we was not approved. I have contacted the FTC and the police. Im doing this on my own behalf. Please remove these things from my credit Chapter XXXX Bankruptcy, XXXX and 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 2019-01-24
Company: Experian Information Solutions Inc.
State: LA
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:
Experian is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. There are 3 accounts reporting to Experian which are fraudulent & I'd like them to be removed from my report. I thought they had dutifully complied to the law to cease any fraudulent account unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.

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 2022-04-07
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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2021-06-11
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 received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX XXXX {$2400.00} I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
TransUnion is not updated my credit report. Ive called several times to speak with Trans Union update about updating my credit report I was cross talked the representative did not listen very condescending and very uncaring about my problem

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