BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-01
Company: Experian Information Solutions Inc.
State: SC
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2018-07-12
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/2018, I disputed a ch XXXX bankruptcy that appeared on my credit file wanting the information in the report to be accurately validated and be verified by XXXX XXXX. 

XXXX XXXX had 30 days to do so upon request in the dispute or remove the public record because they could not verify the accuracy of the information. 

As of XX/XX/2018, I have not heard any response from XXXX XXXX. I have contacted them on 3 occasions : 1st contact I was told that it was received and being processed. 2nd contact : I was told it was processed on the XX/XX/2018 and letter sent. I received a dispute alert from the credit bureaus indicating that I had initiated disputes with them. I found out that XXXX XXXX had initiated these disputes with the credit bureaus without my permission because I wasnt disputing anything with the credit bureaus. My dispute was for the inaccurate information the XXXX XXXX had in their file. 

Still I had not received a response from XXXX XXXX regarding my dispute with them. On my 3rd contact inquiring about my dispute, I was told that there was never a dispute letter received. By that time, I had received a letter from XXXX XXXX stating that the credit bureaus must have lost my disputed. I inquired about this letter while on the phone with the 3rd contact Representative. 

He, ( XXXX ), which was a false name because I spoke to him before and he used another name, stated that he did not even see in my file any letters regarding a dispute and he had no idea of what letter they sent met, and that XXXX XXXX should not have initiated any dispute with the credit bureaus which also wasnt indicated in any notes in my file. He was just as confused as I was about the whole situation and apologized because he couldnt help me because of nothing being dictated in my file. 

I contacted the credit bureaus requesting information about this situation and was told that they information that they received came from XXXX XXXX and they are the furnisher of the public record 3rd party vendor of the public record and not the court. 

I am requested that this information be removed from my report for final resolution due to the activities of XXXX XXXX for their deceipt about receipt of my dispute with THEIR company and initiating disputes with the credit bureaus without my knowledge and/or written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I received a covid-19. Assistance differed payment for XXXX XXXX and XXXX. Well it should not be reporting XXXX and XXXX late on credit bureau please report correctly I will monitor this account very closely and a attorney is doing all the research and paperwork on this account. But for now since I differed XXXX XXXX and XXXX. Should not be reporting late. Copies been sent to credit bureaus and XXXX XXXX XXXX please make XXXX, XXXX, XXXX current thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX XXXX, CEO has failed to send me a copy of the documents that they used to validate the alleged debts on my credit profile as required by law. 

I never receive a notice from either collection agency. I have never been in communication with the collection agencies by or mail. 

Debt Validation is Time-Sensitive Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you. This notice will state your right to dispute the validity of the debt within 30 days. The FDCPA allows the collector to include the debt validation notice in the initial communication if that communication is a letter. If the debt collectors first communication with you is a phone call, you should receive a debt validation letter from them within five days. 

If you dont dispute the debt in writing within 30 days, the debt collector has the right to assume the debt is valid. During the 30-day period, the collector can continue attempts to collect the debt from you until it receives your validation request.

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 2020-12-01
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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2021-01-26
Company: CITIBANK, N.A.
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I sent Citibank a Cease and Desist in XXXX or XXXX. They have violated it twice this month, including when the Trump Administration had the loans on pause for collection. They have already been sent a Cease and Desist in the past and are harassing me again. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio {$2500.00} This account has been disputed since XX/XX/XXXX. They keep sending me the same automated response with no information providing me if in fact they owe the right to collect this debt, no documentation from the original creditor stating they sold it to Portfolio. 

The bill they sent me was Bill due date XX/XX/XXXX Balance {$2100.00} XXXX XXXX XXXX Where is the info for XXXX? 

XX/XX/XXXX Balance {$2500.00} XXXX XXXX ) XX/XX/XXXX Balance XXXX ( XXXX ) XX/XX/XXXX Balance {$2100.00} XXXX XXXX ) which shows it was charged off for {$2100.00} Why are they attempting to collect a debt for {$2500.00} when it shows it was charged off on XX/XX/XXXX for {$2100.00} Date opened they stated is XX/XX/XXXX but the account was provided a bill for XX/XX/XXXX with a charge off of {$2100.00}. I never got a validation notice or have they provided me a copy of that as well. This debt is obviously expired and have since XX/XX/XXXX sent a cease notice in which they have ignored and continue to send me things. 

Portfolio {$1500.00} This account has been disputed since XX/XX/XXXX. They keep sending me the same automated response with no information providing me if in fact they owe the right to collect this debt, no documentation from the original creditor stating they sold it to Portfolio. The bill they sent me was Bill due date XX/XX/XXXX ( XXXX ) {$1100.00} Where are the bills for dates of XXXX? Where is the Final bill showing the Charge off? Why does the bills jump to Bill Due Date XX/XX/XXXX ( XXXX ) {$1400.00} Bill Due Date XX/XX/XXXX ( XXXX ) {$1500.00} How does a balance {$1100.00} on XX/XX/XXXX go to {$1500.00} on XX/XX/XXXX. Date opened they stated is XX/XX/XXXX but I never got a validation notice or have they provided me a copy of that as well. This debt is obviously expired and have since XX/XX/XXXX sent a cease notice in which they have ignored and continue to send me things. 

This debt is not mine and does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: EQUIFAX, INC.
State: MA
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:
Hello, and how are you? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies and incomplete information on my credit report from the 3 major credit bureaus from the student loan XXXX. This account cant possibly have been verified because the status update date has not changed, and there are 3 different open dates reported, and 3 different dates of last activity dates reported. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have a 700+ credit score with 0 % debt ratio and made each payment on time but the bank is denying me for a card. They give people with lower scores then me credit who make less money and have more debt. I feel the bank is discriminating against me because Im 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 2018-09-27
Company: Diversified Consultants, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Contacted Diversified Consultants on ( XXXX {$1200.00} and XXXX {$480.00} ) and advised that i never had an account at the address services was rendered at and i would like to have it removed and i reported to the credit bureuas that i the address is not mine. I have lived with my mom for over 25 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22
Company: General Motors Financial Company, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Gm Financial and XXXX XXXX  are reporting on late payments made in 2020 without any consideration for Covid or the pandemic. I have requested that this information be updated to show pandemic or something but they are blaming the CFPB and saying that they aren't required to. 
The picked and choose which months qualified but the entire year after XXXX was under a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 check my credit and I notice some accounts that I did authorize which should not be on my credit report. my identity has been tampered with, and I don't understand how this was so easy and possible for someone to try to destroy my life stealing my identity

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 2018-03-04
Company: LEXISNEXIS
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 would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished Lexis Nexis regrading all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my workers compensation check for {$760.00} was eaten by the ATM at TD Bank at XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX. On that day I filed a dispute claim XXXX and was told that they would get back to me. Subsequently, I called and went to the bank because no one contacted me. I was shocked when I received a letter declining my claim. I got in contact with the bank and personally inquire about this denial of my claim. On XX/XX/XXXX, spoke to a bank manager and was given the same line, that she would contact the right party and that she recalled this episode with my missing check deposit. No one got back to me and so I called, but was told that the people responsible for responding to my inquiry had not replied. Today I have yet to receive an answer to the disappearance of my check. Thank you for investigating this for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent in multiple rounds of dispute letters to TransUnion in hopes that they would rectify the inaccuracies, inconsistencies and violations reflecting on my credit report, however they did not.

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 2020-12-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I've been submitting disputes with this company since XX/XX/2020 only to be ignored over and over again. I've sent police reports as well as identity theft documents supporting my claims and this company chooses to ignore my disputes. This company is in complete violation of the fair credit reporting act and doesn't seem to care cause they are not held accountable for their actions. I've been emotional and financially scarred from this. I've been denied shelter for me and my family do to the negetive effects this has on my credit. I've been involved in XXXX  's recent data breach as well. This company has not explain in detail how has it " verified '' this inaccuracies.

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 2020-12-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: BMW Financial Services NA, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
BMWF has been calling repeatedly despite a payment arrangement or intentions thereof made with a rep on or around XX/XX/XXXX, I believe. The rep spoke with may or may not have noted my intentions/promise to pay which includes a payment in the amount of {$1000.00} via bill pay with my bank, XXXX. In addition to this, a recurring payment is set to come out also on the XXXX of every month. The account is past due for the month of XXXX, payment in XX/XX/XXXX will cover it and recurring payment on same date will cover XXXX as well..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I CHECKED MY CREDIT 2 WEEKS AGO. THERE WAS A COLLECTION ACCOUNT FROM 3 YEARS AGO ON MY XXXX  AND XXXX   REPORT. I TRIED TO ASK WHY THIS IS ON MY REPORT. THE REP TRIED TO SET UP AN ARRANGEMENT TO PAY. I TOLD HER THIS IS NOT MY ACCOUNT. PLEASE PROVIDE SOME DOCUMENTS FOR THE DEBT. THE DEBT IS {$360.00} WHICH IS NOT MINE. IT HAPPENED AROUND 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 2020-12-01
Company: Experian Information Solutions Inc.
State: NE
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 not my account and is a result of identity theft. This fraud account needs to be removed from my credit report immediately. This is a violation of the fair credit reporting act. This company has agreed to settle a class action law suit for misconduct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been a Chase Business Credit Card Holder for a few years now and I've always paid my bills on time. Since Covid hit in XXXX, I've had to close my business and lay off all of my employees. I've called and begged and pleaded with Chase to please either lower my interest rate or possibly help reduce some of my interest fees due to the fact that my company is closed yet they refused. They told me that the Federal Government is not allowing any interest fees to be waived. That makes absolutely so sense at all. How is a company supposed to pay off it's bills if we are not allowed to open? I own a business in XXXX and I don't know if I'll ever be able to reopen. I had to take out a loan just to pay off this card because they continued to charge interest fees even after I told them that my business was permanently closed. What a disgrace and a disgust. These massive financial institutions that have billions of dollars and they can't give a small business a break on interest fees after being told the business is closed. Welcome to America!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-01
Company: FIRST HORIZON BANK
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am so upset and frustrated with this bank that I made a deposit at a bank teller in Louisiana, and when I put the money in, the teller told me that he could not make my transaction but he could not refund the money either and he printed a receipt that said to take him to the bank, and now they see me with a fool face there, everyone inside the bank as if I were lying about it, they make me wait they say 3 weeks or what do I know how long for my money to be available and in the meantime they charged me and they charge overdraft fees, it's stupid what they do to me, I actually have the receipt from the cashier with time and amount and they can't put my cash in my account, what's wrong with them, now I'm super overdrawn because of so much charge they make me, it's Unbelievable indeed, I am a student and I depend on little money for my needs, in truth what a bad service they have in this Bank, sorry to be with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I sold the house that was in my name and my ex-husband ( Mortgage company : LoanDepot, XXXX XXXX XXXX, XXXX, NJ XXXX ) After closing XXXX XXXX, 2020, they suppossed to send me a check for the Escrow account that I paid ( over {$4000.00} ). I called them for two months and they said they sent to the wrong address so they will stop payment the check, issue a new one in both names ( my ex-husband and my name ) and send it to the new address. I called several times and they said that I will receive it soon. never received, called in XX/XX/XXXX and they said check was signed by my ex-husband and me ( My ex-husband forgery my signature and deposited the check in his account ). I requested the check or talk to a manager but they never let me talk to a manager neither send me the copy of the check. Today, XXXX XXXX, 2020, I called again and after 40 minutes waiting, I explained to XXXX ( from Customer Service ) and he said " a minute '' and hang up. 
I never received my escrow money, neither proof of cashed check.

Company response to consumer: Closed with explanation