BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-22
Company: Santander Consumer USA Holdings 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: Account status incorrect

Complaint:
I setup my LEASE PAYMENT account online with XXXX XXXX XXXX since day one as AUTO-PAYMENT, & their setup clearly says PLAN END DATE : UNTIL CANCELLATION no other options, it is only one default option & I never canceled my auto payment either. 
But what happened is, XXXX XXXX stopped withdrawing my auto payment on their own on XX/XX/2019 & put it on my Delinquent credit as overdue late payment of {$99.00} on XX/XX/2019. 
So tried to reach them directly twice XX/XX/2019 & XX/XX/2019 so they fix their mistake & once thru the 3 credit bureau all on XX/XX/2019 but Chrysler Capital are not cooperating & always reply back with only 1 answer copied from their letter : We have investigated your dispute & verified the information provided to the XXXX XXXX XXXX XXXX is accurate. It is our policy to report all consumer accounts to the credit reporting agencies in a consistent & accurate manner, considering they dont accept phone calls or emails it is only mail to get in touch with them. 
Their report would be correct only if I setup my account for end date which not an option for me AS SHOWING ATTACHED, or I canceled it which I didnt do either, but I did my step until cancellation which should be end of my lease term ( 36 month ). But they did terminated my auto payment without notifying me so I pay on time, also they said the auto pay is only 24 month but my lease is 36 month & their website doesnt show any warning or notification clearing it is only 24 month auto payment Attached is a screen capture for XXXX XXXX  website demonstrating the steps setting the auto payment proofing no warning of the 24 month ending but stating UNTIL CANCELLATION so it is not my fault & I didnt overdue my payment, but they didnt withdraw the payment & terminated my auto payment on their own. If they didnt stop my auto payment without notifying or warring me it would be posted on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I contacted XXXX because they had contacted an out of state family member saying they were going to put a lien on me ( this person was XXXX unknown last name ) I called XXXX XXXX pm ) and spoke to an individual named XXXX who said he was from commonwealth law firm and very aggressively told me that this was for a XXXX XXXX XXXX from XXXX and as I asked for a validation of debt letter or any communication at all because I advised him I had not received anything in the mail, he said if I send you something in the mail its going to be a summons to court. So I advised that I would look into this and contact him tomorrow ( XX/XX/XXXX ) between XXXX and XXXX pm. I used the time after the phone call to check my credit reports and did not see this anywhere. This creditors name was previously on my credit report but I disputed it in XX/XX/XXXX because again I do not know of this debt. It as removed from my credit report as I assume it could not be validated with them either. So on XX/XX/XXXX I called this number back ( XXXX am ) and spoke to XXXX and again explained that someone called and I wanted a validation of debt letter sent to me according to the fair debt colllection practices act, he then said he would transfer me to who I spoke to yesterday and I said to confirm youre not going to send me a letter with this information. He said we will just take you to court and show you documents then, then transferred me in the middle of talking to a voicemail. ( Since TN is a one party consent state I did record this call ). I believe this to be a scam and even if its not if I did owe a debt from XXXX it would be past the XXXX of limitations, which is 6 years in TN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My Name Is XXXX XXXX Today Date Is XX/XX/XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also i was a victim of the XXXX XXXX data breach several accounts on my credit report are not mine listed WELLS FARGO CARD SERVICE # XXXX I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which  explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

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 2020-05-11
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I always use the interest-free option when making promotional purchases. When making smaller purchases, I use the card and pay the statement in full to avoid interest. When I attempt to pay non-promotional balances, Lowe 's applies the payment to promotional balances when I have chosen the option to apply payments to non-promotional balances first. Next, on XX/XX/XXXX, I made a payment of {$2300.00} for a promotional balance set to expire on XX/XX/XXXX. Instead, Lowe 's applied the amount for a promotional balance set to expire on XX/XX/XXXX. This is neither an accident nor a mistake, they are clearly attempting to defraud me by having me pay off a promotional purchase not set to expire for two years instead of one set to expire in six months. They are attempting to force me to pay interest for the promotional purchase set to expire within six months. If you investigate, I am sure you will discover that this is part of their standard operating procedures and they have defrauded millions of dollars from U.S. citizens with this unethical 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 2020-08-20
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:
Contacted all three major credit bureaus today XX/XX/XXXX, XXXX XXXX XXXX reported the delinquency in XXXX of XXXX, according to Fair debt credit reporting that negative information should be removed 7 years from first report date, I have requested all three to remove and all they do is update. Moreover experian has a XXXX report date ( totally incorrect, fraudulently ) when the other two credit bureaus have XX/XX/XXXX first report date. It has been more than 7 years since first report date, and also moved to a collection agency as well, XXXX XXXX XXXX should legally be removed ...

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 2020-11-22
Company: EQUIFAX, INC.
State: MS
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 contacted the credit bureaus about the fraudulent items and inquiries on my credit report and they still haven't taken them off yet

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been working on my credit for the last few months and recently came across a card that I believed I opened when I was XXXX or XXXX. It was a secured card and the first 3 months I paid for it. I stopped using it because at the time my mother who did not understand credit told me to. I believed I was paid up before I stop using it. Ever since I was made aware I have tried to rectify the issue by contacting them through the mail and have not heard anything. The total amount is {$220.00}

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 2020-08-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My Name Is XXXX XXXX Today Date Is XX/XX/XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also i was a victim of the XXXX XXXX data breach several accounts on my credit report are not mine listed XXXX XXXX CARD SERVICE # XXXX I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

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 2020-08-20
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
At the end of XX/XX/XXXX I was moving from a rental back to my primary residence. I believe during the move one of the movers took my credit card and used it. The dates in question are XXXX for a total of {$4200.00} This illegal activity was discovered on or around XX/XX/XXXX when we called customer service to deactivate the card since it has a XXXX $ fee to it and was meant to be used when we flew XXXX. All fradualant transactions occurred on the authorized card ending in XXXX with the main acct ending in XXXX. A thing to note - since the opening of this account, zero transactions had been made on acct ending in XXXX. 

I received a letter marked XXXX saying " We have completed the investigative process. Our research has indicated that the transaction ( s ) is valid ''. They stated the card had a chip so it was used it person, I asked them to provide evidence that I made these transactions. They could not. 

I have not made any of these transactions. 

I called on XX/XX/XXXX to inform them this is not a dispute as mentioned in their response letter but theft/fraud. Barclays customer service informed me they will look into it, I called back on XX/XX/XXXX and was told since the card has a chip in it that it was a valid transaction and that I had to pay this amount. They also state the burden of proof is on me to prove I did not purchase these items. 

On XX/XX/XXXX I went and filed a police report. 


After disputing it further I was told someone will call me in 10 business days, but I have lost confidence in their customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Security Credit Services, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am making a complaint Security Credit Service that is known as XXXX.I have contact them on several occasion about this collection that they placed on my credit and explained my situation to them that my personal information was comprise and used to open up this account without my consent and knowledge and it could have never happen.They had agree to deleted it from my credit reports which in fact I checked my credit a few months back and the collection was removed and now recently it has been added back and I asked that it be permanent removed because it is affecting my credit and me from being able to get to where I want to be in life and it is not fair from me to have to pay a debt that was not created on my behalf and someone else because the company allowed someone else to use my information to open an account with my consent which is not right to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amsher collection agency is reporting a debt to my account that is not mine. Furthermore I have not received any letters in the mail about such debt with violates my right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX erroneously reported a late payment on my credit report. This has significantly impacted my life. I am unable to get approved for a mortgage. XXXX XXXX has refused to remove off my credit after several disputes and complaints to the creditor and credit bureaus. They customer service I received regarding this matter was very rude and demeaning. I would never recommend this loan company. They falsely report information that affects a customers ability to obtain credit elsewhere. I would like the sirurisriin to be rectified by XXXX XXXX removing the false report of a late payment off my report immediately. I have supporting documentation that states I have paid on time each month. My payments are automatically drafted each month.

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 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Previously TransUnion was using XXXX to verify bankruptcy. I have an alleged bankruptcy on my credit report, that was first reported in XXXX. Up util XXXX, TransUnion was using XXXX the verify 3rd party information. I have pulled my XXXX report and have found no bankruptcy listed. 

They have a new 3rd party system they are verifying information with HOWEVER, that is only for bankruptcy information collected from XXXX and forward. Since they first verified the information with XXXX, and now can no longer verify it they need to delete 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 non-monetary relief
Consumer complaint received 2021-07-14
Company: Receivables Management Partners, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report and see where there has been 8 separate Collections/Chargeoff which has negatively impacted my credit score. The dates and amounts are as follows : XX/XX/21 - {$4000.00} XX/XX/21 - {$71.00} XX/XX/21 - {$71.00} XX/XX/21 - {$71.00} XX/XX/21 - {$71.00} XX/XX/21 - {$71.00} XX/XX/21 - {$71.00} XX/XX/21 - {$71.00} To the best of my knowledge, I have not received any communication from RMP Services LLC regarding these collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Several phone calls has been recieved from Portfolio recovery and I have explained to this company, XXXX, and XXXX that this is not my account. I I continously get harassing phone calls and disputes from TransUnion has come back that it's my account. When the account was opened and I disputed with the company I was told that I co signed with a person in XXXX texas that have my last name. This account was purchased by Portfolio recovery and it was original a XXXX account. I've never had a {$3000.00} dollar limit on my XXXX  XXXX account. I have two accounts with XXXX  XXXX, one in which I recently opened last year and it's in good standing. Its frustrating to know that something is on your account and it's not yours. When the account was openedi was still in college and this credit inquire was never put on my account. I found that this is strange, so o never knew about this account until one day I started recieving the calls and I have disputed this account from day one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-15
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The lender began asking for payments without my knowledge, due to the fact that I changed my address. As a result, my credit score began to slowly drop lower and lower, without my knowledge, destroying my credit. I have not talked to them because I don't know how to contact them. I am willing to begin making payments but I need help resolving this error in my credit report beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
State: AE
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: Was not notified of investigation status or results

Complaint:
I have not received any response from these accounts I submitted for disputes : XXXX  CARD Account # : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: EQUIFAX, INC.
State: AL
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:
Bureau is refusing to remove inquiries that were obtained without my permission. I have sent them numerous requests asking to remove them and they have not ; so I'm filing this complaint against them for unfair reporting. 

XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
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:
I have an account with a company which is XXXX XXXX and my wife have one well they have her account on my report. 
Creditor : Ally Financial Amount : XXXX account # XXXX I sent a dispute letting them know the XXXX XXXX XXXX XXXX account XXXX is a fraudulent account in the amount of XXXX its been 2 months but haven't been taken off the report. The same company XXXX XXXX XXXX XXXX has two accounts on there the other is XXXX in the amount of XXXX this has been embarrassing to say the least I pay my bills on time and are being penalize by this breach in security. 
Also there is unauthorized inquiries that is causing my score to suffer greatly. 
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 All Banks 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