BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The lease was paid in full at the end of 36 months. After we dropped off the car and was told that everything was done, four months later XXXX contacted us to tell us that we owed a drop off fee. This was never disclosed at the actual drop off of the car. When it was brought to my attention, we immediately paid the bill. XXXX never mailed us or called us to bring to our attention that we owed anything until 4 months after the actual drop off of the car. Ever since then, XXXX has wrecked havoc on our credit. Saying we missed 4 months of payments. Then saying we was late 90 days twice in two different years. If you check our accounts, we had a perfect payment history with them on three separate accounts. Even now on our experian accounts, the account in question shows paid in full 100 % on XX/XX/2018 followed immediately by a 90 late accusation. We've asked XXXX to fix this and filed disputes with the credit agencies to no avail. All XXXX does is keep misreporting and affecting mine and my wife 's credit. Please remove this erroneous blemishes from our 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 non-monetary relief
Consumer complaint received 2017-08-11
Company: EQUIFAX, INC.
State: FL
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:
In regards to the XXXX collections on my credit report, I have called several times with hopes in settling the debts as I am in the process of purchasing a new home. Each time I have called, even in speaking with a supervisor, I have been told that the debts are beyond the statue of limitations and they can not collect any monies on the accounts. If the debts are beyond the statue of limitations and they are refusing to collect any monies from me, then why are they reporting these debts to my credit report. I need these removed ASAP. XXXX : {$5300.00} - {$2500.00} Also, in regards to the XXXX XXXX XXXX account listed on my Equifax report, I have requested in writing twice now for Equifax to remove the debt from my credit report as I am an authorized user on this account and it should not be listed on my report as it is negative. Please remove this account ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I purchased a home. In XX/XX/XXXX it was foreclosed on. Bank of America shows they did a charge off but on my credit reports it still says I owe {$22000.00}. I had XXXX XXXX disputing it and it looks like it was reaffirmed as of XX/XX/XXXX and my credit score plummeted XXXX points. The account was opened on XX/XX/XXXX. The last payment was made XX/XX/XXXX. The account status still shows open but the remarks are : Charged off as bad debt Profit and loss write-off. I did try to talk with them at some time in the last year and got nowhere.

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 2020-09-07
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:
Experian Dispute XXXX XXXX XXXX XXXX Experian claims that this is a valid collection action yet neither Experian nor the alleged collection agency, XXXX XXXX XXXX, has provided any documentation whatsoever to support this claim. I have repeatedly tried to contact XXXX XXXX XXXX by mail and phone and have not received a reply to both my letters and voicemails. I have filed multiple disputes with Experian but to no avail. Experian claims that XXXX XXXX XXXX has provided validation that this collection action is legitimate, yet I have received nothing to support this claim other than Experian continuing to state that its valid. Experian keeps closing the dispute without providing any evidence whatsoever that XXXX XXXX XXXX collection action is valid. I have no knowledge of what they are trying to collect for, and have not received any invoices or other correspondence related to this. Experian is negligent in their duty as a credit bureau by not removing an inaccurate entry on my credit report and by not providing any evidence that XXXX XXXX has a valid claim.

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 2020-01-27
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Fidelity Credit Card has been advised by the vendor on a contested charge that they are willing to close out the challenge for {$3200.00}. The vendor XXXX XXXX XXXX has sent me an email and there is a open case for this to be resolved through Fidelity Credit Card. Over the last two months I have had several problems with XXXX XXXX XXXX. The credit card company agreed to settle the issue and I have requested a new analyst as the present analyst. XXXX has not been removed from my investigation regardless of the commitment from management and he doesn't look at documents and understand that when a customer is promised something and not provided the item as described then this means the product is not the same as what was promised. The lack of assistance from the representative was the reason I have escalated and continue to complain about Fidelity Credit Card. They have issued no less than 6 credits back to me in form or checks, credits to my account and now they have a mess on my account showing that I owe them money and along with it a problem where they will charge me as a cash with interest. They have sent me over {$5800.00} in the last week and now we are faced with yet another issue on the billing. Please help me as they have made my account not available online and must wait for them to give me access to account. They will not provide the statement until XX/XX/2020.

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 2018-09-22
Company: EQUIFAX, 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:
XXXX XXXXXXXX XXXX on my Equifax Report has not been updated since XX/XX/2018 as paid as agreed or current. I have all my money orders as proof as paid

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Northwood Asset Management Group
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a phone call on my company cell from what appeared to be a local number. 
When I answered the call they wanted to know if I was " my name '' with a birth date of xx-xx-xxxx and the last 4 of my ssn was xxxx. 
I asked who they were and what the call was about. The caller refused to tell me who they were with out me verifying my personal information, so I promptly told them this was a scam and goodbye. 
The caller then called my company cell phone from a NY number and then called my company work phone from a third number. Harassing me to answer the questions. 
I only answered that I was the person they were asking for and explained if they had just told me who they were in the beginning, I would have not hung up. 
The caller proceeded to tell me about a alleged debt in my name and provided 3 different source names for the original debtor, then proceeded to ask me to take care of the debt today, when I told them that was not possible and I would need something in the mail and wanted to verify the debt, the caller became very angry and said I owe this debt and should pay it. The caller asked if I could make payment arrangements and I said again, once you mail me the proof of the debt and if I verify the debt is valid then I will make payment arrangements. The caller proceeded again to ask me if I had the funds to take of this today in a harassing and rude manner. 
The caller then tried to verify my email address, the first one the caller noted was not mine, however the second one was.  I verified the second email address and the caller stated they would email me the notice and NOT mail it to me. 
I still have not been provided with the proof. 
The caller sent me the email and said I had 24 hours to decide and they would call me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was an account that was opened through pro collect from XXXX XXXX XXXX for the amount of XXXX on the date of XX/XX/2014. Pro collect contacted me multiple times about this account and let them know that i do not owe this account. Ive sent paperwork showing i do not owe these amounts i even tried disputing it. And they constantly deny me and never remove it.

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 2020-10-20
Company: Experian Information Solutions Inc.
State: NJ
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:
No response from each credit bureau, for my disputes

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 2023-09-21
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My business account was closed and they want let me open another account. I was never contacted on what exactly the problem was with the account for it to be closed.

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 2018-07-20
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with BMW FINANCIAL SERVIC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and BMW FINANCIAL SERVIC with no successful resolution. XXXX, XXXX and XXXX were the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Santander Consumer USA Holdings 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 is missing that should be on the report

Complaint:
I have a new car loan with Santander Consumer USA. I obtained the loan in XX/XX/XXXX for a brand new XXXX XXXX XXXX. Due to unfortunate circumstances, I declared Chapter XXXX Bankruptcy and was discharged on XX/XX/XXXX. However, Santander WAS NOT DISCHARGED. In fact, I signed a Reaffirmation Agreement with them and will attach it to this complaint. I also will attach a payment history showing I am staying current with my payments. Despite phone calls to them, they are refusing to list my loan on my credit report. They told me this is their policy, to take down the credit reporting when bankruptcy is declared. If a loan is reaffirmed, they will not put it back on your credit again and will not report. I have discussed with them that my bankruptcy attorney said the reason for the Reaffirmation Agreement is so that they will continue to hold my loan in good standing and report so that I may regain my credit standing. However, to no avail, as they said they will not do so. Please help me with this as I very much need to improve my credit score after my unfortunate personal situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: TD BANK US HOLDING COMPANY
State: MI
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 client, XXXX XXXX is a victim of identity theft. A current XXXX credit report reveals that a fraudulent application was submitted with her information that resulted in an inquiry XX/XX/XXXX with TD Bank/XXXX that she did not authorize. An official dispute of this was faxed ( verified received ) to TD Bank/XXXX fraud department XX/XX/XXXX. In response TD Bank provided application data however did not confirm the issue was resolved nor did they remove the inquiry from the credit report. This is a violation of FCRA and my clients federal consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
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: Old information reappears or never goes away

Complaint:
I have reached out to XXXX, XXXX, and XXXX to remove old account information which still appears on my credit file. These accounts have all be paid and or written off.

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 2021-02-04
Company: EQUIFAX, INC.
State: MI
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:
I am filing this complaint against Equifax, XXXX  & XXXX. The three national bureaus are reporting incorrect information regarding a Chapter XXXX bankruptcy I filed in the year 2015. I have filed several disputes in the previous months to which I have not received responses. All three companies have not provided me any investigation results, they have only wasted my time and efforts in preparing disputes. I am on the verge of considering a big public lawsuit against the three national bureaus if my request is not honored. 

The closing date that XXXX  is reporting is XX/XX/2015. The correct information is XX/XX/2015 The Bankruptcy filing date XXXX  is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015 The closing date that XXXX  is reporting is XX/XX/2015. The correct information is XX/XX/2015 The Bankruptcy filing date XXXX  is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015 The closing date Equifax is reporting is unavailable. Equifax has failed to publish the correct information. 

The Bankruptcy filing date Equifax is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Radius Global Solutions LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
According to Radius Global a short term loand was opened with my information - all correct except spelling of first name, bank and email. The original account was oppend with XXXX XXXX who never contacted me. My first contact regarding this fraudulent account was from Radius in XX/XX/2020. 

During my first conversation with Radius I was told that it was an XXXX account and any dispute had to be addressed with them. On XX/XX/2020 I contacted XXXX who informed me that the account was no longer their 's but instead was sold to Radius. Any dispute needed to be filed with Radius. All further attempts to contact Radius went to dead phone lines. 

On XX/XX/2020 I recieved written communication from Radius stating that they investigated and determined the account was valid and that I now owed XXXX plus an additional late fee for XXXX. 

On XX/XX/2020 I spoke with a Radius employee who informed me I needed to file a police report and return with the letter ( which will be done today, XX/XX/2020 ). The Radius employee also informed me they are simply collecting the debt for XXXX and that the account is not a Radius account. This contradicted the information provided by XXXX on XX/XX/2020.

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 2018-02-12
Company: CITIBANK, N.A.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX calls multiple times throughout the work day, from several different phone numbers, masked sometimes as local numbers and other times not. It is regarding a retail card debt. I have explained over and over to them that I did not make the charge or purchase leading to the debt or unpaid balance. Someone must have fraudulently obtained my card information and used the card. I've asked for them to mail an account statement to me or something showing what these charges are and something official, but have not received anything. They call throughout the work day, every day. I have asked them that if they call, to call towards the end of the work day and not multiple times as it disrupts my ability to work. However, they call several times during day. They threaten to sue me or take legal action and use scare tactics with the unknown consequences of that legal action, and they do not provide written proof of what the debt is specifically or what options I have since I did not make the charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Somebody opened a Chime bank account with my personal information ( name, email, social ) but used a different phone number and address. I received an email from Chime that my temp card was active and physical card in the mail. I tried to contact them to tell them I never opened this account. I reported to FTC identity theft and major credit agencies. It is physically impossible to actually reach a live person at chime though they keep emailing me telling me to call the number. None of the options on their support phone line at any point in the day will actually lead to a live person. Im stuck in a feedback loop and cant close this account. No idea what is happening in the meantime whether they are using my credit, racking up charges that will ultimately go to collections or what. Not sure what else to do at this point but somebody recommended I try this site as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Square Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had got scammed by a man who wanted me to pay rent in his room for rent but he never sent the keys and I lost {$1000.00} on the XXXX dollars on Cashapp. The company did not return the money as they said it was already gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: CURO Intermediate Holdings
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2015 they reported to XXXX  again every 2 mths waa a fraud case but speedycash  does not see it that way police report and ftc was given to them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/XXXX Amount of loan : {$600.00} Public officials fee : {$38.00}? 
CAB : {$150.00} per month Annual rate : 332.92 % ( representing 5 payments ) Dollar amount of our cost : {$980.00} Amount of total payments after all payments are made {$1600.00} Had somewhat a hard time getting them to offer us a settlement to pay it off after 3 years. 

Payment made to them was {$700.00} on XX/XX/XXXX. 

Title to vehicle is to be released within 7 to 10 days

Company response to consumer: Closed with explanation