BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-15
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:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the items that needs to be removed in my file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00}.

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 non-monetary relief
Consumer complaint received 2015-09-26
Company: SLM CORPORATION
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Myself, and XXXX children have loans with Sallie Mae, payment was made and taken out of my account but Sallie Mae calling to say payment not made, try to verify where payment was posted and they now say I am not who I say I am because they either have XXXX or XXXX both names that I go by so # XXXX will not talk to me and they have flagged my account that I am not who I say I am. but are harassing that payment not made, they wo n't even talk to me to get the confirmation number from the bank.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: CarMax, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX of 2020, I bought a XXXX XXXX from XXXX and XXXX XXXX XXXX financed the vehicle I bought the vehicle late at night and was never given the contract. After I bought the vehicle I never Received A bill/statement l in the mail. I called and they told me they sent the statement to the wrong address and that I was extremely late on my first payment. I can't be late if the lender does not give me the contract or send the statement to the correct address, so since I have had the car I have been getting my credit report hit with derogatory late payments and fees that are not my fault, Car Max Financial Is In Violation of The Fair Debt Collection Practices Act and I demand the late payment be removed from my credit report and the fees I have been charged be returned to me. I have disputed this and complained and no one cares that THEY ARE VIOLATING MY RIGHTS!!!! Remove The Late Payment and give me all the fraudulent fees your company has charged me or my next step will be legal action in court against your company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I processed a Payment Amount of {$9200.00} USD through my PayPal account. The PayPal Card Reader did not work, so I entered the credit card number manually. On XX/XX/XXXX, I tried to access the funds, but received an ambiguous Error Screen that the service wasn't available. 

I contacted their customer support on XX/XX/XXXX, at XXXX XX/XX/XXXX, and was told that I needed to provide further information for the transaction. I promptly supplied all of the requested information, and was informed that the funds would be releases within 3 business days. 

I waited until XX/XX/XXXX, tried again, and received the same ambiguous Error message. I contacted Customer Support @ XXXX and was told the team that reviews and approves these transaction was running behind, but that I would be approved within 72 hours and the funds made available. 

I attempted to access my funds on XX/XX/XXXX, and received the same error. i contacted customer support again @ XXXX, and was asked to be patient, and that they were processing my request. The agent, XXXX suggested it would be faster if I simply refunded the amount, and created an invoice. XXXX did NOT tell me that PayPal would, instead of refunding the {$9200.00} they were holding, attempt to take that amount from my personal checking account, nor did she tell me that they would keep the {$320.00} fee. I am now incurring overdraft fees of {$32.00} every time PayPal tries to take that {$9200.00} from my personal checking. 

On XX/XX/XXXX, I tried to contact Customer Support, and remained on hold. During all of this time, I also engaged with Customer Support via PayPal 's XXXX support. They offered no help, and took over 3 hours on average to respond, the longest time being over 12 hours. 

On XX/XX/XXXX, I contacted PayPal customer support again, and had a conversation with XXXX named XXXX ID # XXXX. XXXX was condescending and rude. He told me that they were keeping the fee because I had the money. My response was, NO, I don't have access to the money, because PayPal had never released the funds, to which his response was " I'm looking at it in the wrong way ''. He finally agreed to escalate the situation, after telling me he was the highest authority I could speak with at PayPal. He told me that he would issue a credit of {$100.00} toward the {$320.00} fee, and that the credit would be seen in my account within 24 hours. He also told me that the funds would be released within 24 hours. 

It is now XX/XX/XXXX, and none of the promises that PayPal have made have been honored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX 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 2022-10-28
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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In 2020, my business partner at the time had a copy of my license and social security number due to the fact that he claimed the company needed to file corporate business taxes. Shortly after, the company dissolved, and the business taxes were never even filed. Once the company dissolved, I noticed that fraudulent charges and credit cards were opened under my social security number and license information. I attempted to contact my former business partner to inquire of these charges, however he blocked me and I have not been able to locate him at all. I attempted to file a police report, however the local police department stated that without physical proof, there was nothing I could do. This was the ONLY person who had physical copies of my personal information, and the timeline was exactly when these cards and charges were made. I attempted to resolve this matter for the last two years and explain it to the debt collector with no success. LVNV Funding continues to call me and harass me daily regarding these charges. I need this resolved and removed from my credit once and for all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Experian Information Solutions Inc.
State: WA
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 is one account on my credit report that is not mine I have reached out to the bureaus by mail and phone calls regarding this it should not be on my credit report because I have not opened this account. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$0.00}

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 2023-11-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm a victim of identity theft. I'm unaware of how my information was compromised. I received an alert from my credit monitoring subscription on XX/XX/2023. That a fraudulent account listed as ( XXXX XXXX XXXXXXXX XXXX ) was opened on XX/XX/2023 along with other credit applications were being submitted without my consent or knowledge. Steps I've taken so far are filing a police report and an FTC report which I've included along with reaching out to the companies in question.

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 2023-07-03
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We applied for a loan modification. We were told that were approved and had to wait for the paperwork. When I called them they said we were denied because we did not respond in 14 days.I told them we received the letter XX/XX/2023. They said they sent it on XX/XX/XXXX XXXXThe postmark on the envelop shows XX/XX/2023. They may have wrote the letter XX/XX/XXXX but it was not sent until XX/XX/XXXX. Our responding would have been within the 14 days.The woman on the phone stated they had to go by what is in the computer. I told her I can send a photo copy of the envelop. She stated it would not do any good. Now we are back in the situation of losing our home with no help.The company is Cardinal Financial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
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: Information belongs to someone else

Complaint:
Request to remove XXXX account from my Experian credit report. According to fair credit reporting act, any inaccurate information must be removed from credit report. I have not signed contract electronically from XXXX XXXX. Also address on contract does not match with the address on my identification.

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 2022-07-15
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:
I am filing this complaint to have the following bogus information removed from my credit file since it has been a struggle. The ID THEFT REPORT I sent to my dispute letters has a list of the items I wanted erased. Due to identity theft, I was not the one who made the charges or opened the accounts. In accordance with Fair Credit Reporting Act Section 605b, I request the deletion of the entries to fix my credit report. I notified the Federal Trade Commission about the identity theft, and copies of the FTC 's Identity Theft Report are also provided. I hereby attest that I have not granted anyone access to my private or confidential records, and most definitely not to the allegedly inaccurate information that appears on my credit report. In accordance with FCRA Section 605b, I thus request that the Credit Bureaus promptly erase these details from my credit report with their company. Please delete these items as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX 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  XXXX Balance Owed : {$33.00} XXXX XXXX XXXX Balance Owed : {$3400.00} 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 2018-04-13
Company: EdFinancial Services
State: SC
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:
Fraud student loan consolidation. Within the last week I have received fraud alerts from XXXX  and XXXX XXXX and this mess has cost me a loss of 24 points on my credit score. I only had one loan with EdFinancial and have been making payments even before I needed to. I had a balance of {$570.00} left and when to make my regular payment and it showed the account paid off. I called EdFinancial customer service on XX/XX/XXXX and they said my account was sent to Navient ( a company I have never heard of ) for student loan consolidation. I explained that I have never taken another loan. They said they were no longer involved and to contact XXXX. I called XXXX and they said the account was new but they could see it was to consolidate with other student loans I have. They sent me to the fraud department and I asked for them to provide proof I took out a loan and they literally had no paperwork on any loan. They said they would get back to me on a few occasions and never did. I am being bounced back and forth. At this time I do not know where my loan is so I can make a payment as both companies have an open account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: U.S. BANCORP
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am trying to cancel PMI as I have paid my Mortgage down early to an 80 % level and I 've never had a late payment. My Mortgage company ( US Bank ) wo n't let my cancel it as I 'm advised I need a BPO to prove my home value has n't decreased since I bought it. The BPO is n't a requirement of the Federal Government, but US Bank is telling me it is. This is my problem, I know they can unfairly do this to me so I am forced to keep PMI or pay them more money. They probably know that the value of my home has dropped since I bought in in 2008 and since then have never had a late payment. However, if I pay XXXX dollars for a BPO they can then show I 'm not really at the 80 % value they want AND they are trying to advise it 's the Government that is making this decision when it is their choice. This is unfair and deceptive practice.

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 2023-11-24
Company: EQUIFAX, INC.
State: MA
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:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from, my credit reports. List all those negative accounts from your Equifax credit reports. Account names and account numbers and file Your complaint with the CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Natural Person/Original Creditor : XXXX XXXX Reference Number : XXXX Reference Number : XXXX On XX/XX/2022, and XX/XX/2022, I applied for credit for an auto purchase. I was denied but, never sent an adverse action letter explaining why. It shall be unlawful for any person or organization to discriminate against an applicant. My SSN Belongs to the ( SSA ) Social Security Administration and any purchase made with that identifying number is an obligation of the United States pursuant to 18 USC 8.

Pursuant to 15 USC 1602a ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Keep in mind impersonating a creditor is a federal crime. I am the original creditor. 
Pursuant to 15 USC 1602a ( l ) a credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. I initiated a consumer credit transaction using my SSN/credit card for personal, family, and household services. This is my demand for the credit I applied for and your opportunity to cure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
This is my second complaint against Bank of America credit card. I had  XXXX  $ credit card  in 2015,  due to extreme financial hard ship and my car was stolen that time, my wife was  XXXX , and I was a  XXXX   XXXX   XXXX  with no employment. I was told and explained every situation of mine to Bank of America but no use, they are horrible, they did not inform me when interest rate was increased to 22.00 % + something, I was paid more tha n 600 $ extr a for interest and late fees, they are not helpful, last time when I cal customer care, his name was  XXXX  he was threatened me like we will update all information to debt collector, and he insulted me like I have job then what 's the problem like, this is entirely discrimination to me. I really love this opportunity to clear my problem. I do n't want pay more than my actual credit limit.

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