BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-08
Company: BlueChip Financial
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is reporting false information on my credit report for debt I do not owe. XXXX XXXX XXXX is reporting on behalf of Spotloan. I received a loan forgiveness and cash settlement from Spotloan due to class action lawsuit that was approved and finalized by a judge in XX/XX/XXXX. I received my cash settlement from Spotloan in XX/XX/XXXX. Spotloan was sued because they processed loans that were made at annual interest rates greater than what was approved by state law and the company did not have a license to lend in the state when one was required. As part of the class action lawsuit that was approved by the courts, Spotloan is to remove all negative information from my credit report and reflect the loan paid in full as I have received a cash settlement and therefore could not possibly owe the same amount this company is reporting. I have trie in good faith to reach out to this company and the number listed on my credit report is disconnected. I have sent proof of paperwork from judge showing details from class action lawsuit and credit bureau continues to report information accurate when they are not taking the time to investigate my claims. My intention is to file a claim every month until this is removed from my credit report as I will never pay something I do now owe. I have proof of court documents showing I was included in class action lawsuit along with copy of cash settlement payment received from Spotloan. Why does XXXX XXXX XXXX continue to report negative and inaccurate information? This is sp frustrating to the average consumer who has to continue to fight to remove incorrect information off of their credit report, however I will do so until this information is removed. It is expected to remove from credit report until XX/XX/XXXX, however I will continue to submit my claim until it is finally removed as this debt does not belong to me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
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: Their investigation did not fix an error on your report

Complaint:
I noticed collections on credit report that I do not recognize or owe. I mailed the 3 major credit bureaus on XX/XX/18 via certified receipt and Account Numbers XXXX, XXXX, XXXX and XXXX were immediately deleted, however, Equifax was still reporting the accounts. I contacted Equifax again because I never heard back regarding these accounts XX/XX/18, certified receipt again and they investigated this time and verified as accurate. I mailed Equifax again because theres no way these accounts are verified as accurate, especially since Equifax isn't even reporting the Collection Agency names on my credit report, it only has the Account Numbers listed on my credit report. I requested Verification procedures and documentation because at this point, I would like to know what and why these accounts are on my credit report. To date, Equifax still has these accounts reporting and have not investigated further nor sent me any information regarding these accounts. Per Section 609 of the Fair Credit Reporting Act, this information is to be provided upon request. These accounts need deleted. I've tried to be patient, but this is ridiculous! These accounts need deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureaus to have these items removed. 

I have requested that the creditor and/or credit bureau provide me with proof that the debt is mine but they have yet to do so. My requests are ignored and I am instead sent a bill to pay. During this time, I have been consistently harassed via phone and mail to pay a debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I rec 'd a promo I would get 10 % back if I used my card for grogery, gas and resturants in XXXX XXXX and XXXX. I used my card only for tht and every month earned enough to ge the max of {$120.00} back. XXXX and XXXX I got my money promised XXXX they never gave it to me I called and called and they said it could be XXXX cycles. Weird because I got my XXXX one in XXXX same with XXXX XXXX still nothing I signed up for a new promo to get {$70.00} back spending at grogery, gas and resturants again I meet the goal to get the {$70.00} never got it in XXXX or XXXX. They are getting us to use the card to get money from the places I use it but then never give me the money I was promised! I think this compnay needs looked into for false advertising and unethical business practices. I have included the two offers I rec 'd I show my bills with no credit in XXXX, XXXX and XXXX XXXX bill just released so I could not download it. I included a screenshot showing no credit on the word doc.

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 2023-02-08
Company: TRANSUNION INTERMEDIATE 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 belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. 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 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 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 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 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 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 XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent in a dispute letter to all Credit bureaus XXXX, XXXX, and transunion on XXXX to dispute and delete all inquiries that didnt belong to me, are closed or I didnt authorize. 

Primelending - Closed Date XXXX XXXX- Closed date XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX - CLOSED XXXX Inquiry- XXXX XXXX XXXX XXXX I have yet to hear back or see any progress with my request. I am filing a complaint against the credit bureaus due to not complying within 30 days to my dispute 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 explanation
Consumer complaint received 2023-01-12
Company: CREDIT ACCEPTANCE CORPORATION
State: VT
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:
Credit Acceptance Corp keeps reporting my account open although the account is showing closed and paid with a {$0.00} balance on their own website. I paid the {$1700.00} on XX/XX/22. I was deeply impacted by the shutdowns with an inability to make a living due to the pandemic and I made them aware of the situation but they provided no relief to me. All I want is for the account to be reported accurately and closed out. This should have been done well over 2 years ago. This is causing me further financial harm and leaving me with little recourse I may have to get an attorney involved. I had send an email to XXXX XXXX XXXX XXXX hopefully I will get some response.

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 2023-05-30
Company: Experian Information Solutions Inc.
State: IL
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:
Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved.

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 2023-03-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My credit went from a XXXX to absolutely no credit for no reason in XXXX and XXXX And really screwed thing up for me getting any type of financial help. I have since git it back up to a XXXX but I want to know why all of a sudden my whole credit score was erased

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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 status incorrect

Complaint:
XXXX and XXXX XXXX are reporting on my Credit report that payments are late which i never set up any payment plans or nor have I agreed to pay and they have considered trying to validate these debt which is not enough evidence for me to know if these are truly my debts to pay and if they actually purchased these debt from the original creditor they so called purchased them from. There is no documentation showing my signature and where I agreed to any of it. 
Look at attached information.

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 2023-05-16
Company: TRANSUNION INTERMEDIATE 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 belongs to someone else

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 non-monetary relief
Consumer complaint received 2020-09-09
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/2020 I went to purchase a truck at XXXX XXXX XXXX. I went with another person my. We answered their questionnaire to qualify for financing. They said we qualify as a joint purchase. We did paperwork for truck purchase including attaining Gap insurance. We completed the transaction and left the dealership. a couple of miles away, a van crashed into the truck and totaled it. It was determined the other drivers fault right away.. We immediately notified their insurance, Gap insurance company, dealership, and our attorney. We diligently followed all instructions from all of the places and proceeded to wait for all the processes to occur. The amount owed for the total-loss truck was XXXX.The insurance, XXXX XXXX, issued a check for XXXX on XX/XX/2020. The service and maintenance warranties refund check was issued on XX/XX/2020. Service refund was XXXX. Maintenance refund was XXXX. On XX/XX/XXXX, the Gap insurance company paid XXXX. These amounts add up to XXXX. Throughout the period of time following the wreck, I kept up with the status of each process. I called Santander at the end of XX/XX/2020 and was told everything was paid and went about my business. About a week later I started getting calls from the Santander number that disconnected the call after answering. On XX/XX/2020 I answered another call and the woman stated it was an attempt to collect a debt and that I owed {$980.00} and that {$220.00} was 86 days past due. I was told they had not received the payments from the warranty and service refunds and to call the dealership. I did and confirmed those payments were sent. I called the Gap company to reassure they paid their proper amount. They confirmed that. After calling back and forth between XXXX XXXX XXXX XXXX XXXX XXXX, the Gap insurance company XXXX XXXX XXXX, and Santander, several representatives from Santander were unable to tell me what the {$980.00} was for. Only told me I need to pay or else it will be reported on our credit. I pieced together several details from many phone calls to Santander on XX/XX/2020. i was told that it was standard procedure to owe money on a simple interest loan, another person stated there were late fees of {$37.00} that amounted to the balance owed, and another said there were fees of {$75.00} accumulating on the account. I have no records indicating these items. The last time I called Santander I was at a high level of frustration and concern and strongly inquired why anything was owed and what it was. Each representative only stated generic this is an attempt to collect a debt & that is what is showing due & past due. I never got any of them to explain anything. The last representative told me the only thing she can do is request an audit on the account. I said yes to that, as it was the only option I was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
it has been XXXX years XXXX keeps replying to my disputes with a verified message. consumer reporting agencies must CORRECT OR DELETE INACCURATE, INCOMPLETE OR UNVERIFIABLE INFORMATION. 


XXXX XXXX XXXX XXXX  ACCOUNT # XXXX invalid phone number ( XXXX ) XXXX XXXX. 

invalid address. XXXX XXXX XXXX # XXXX XXXX, ca XXXX reporting incorrect information for over 4 years please delete or provide validation

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 2023-05-16
Company: CREDIT ACCEPTANCE CORPORATION
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
.My report shows a repossession on it so I wrote them requesting the notice of sale and the company never responded. I sent two requests and still no response regarding this notice to sale that I never received. On my credit report it shows I owe XXXX but i believe this creditor is a predator and tricked me into financing a unreliable car and i gave it back to them. My first letter sent requesting this information was on XX/XX/22 tracking number XXXX XXXX XXXX XXXX XXXX and the second one was on XX/XX/XXXX with tracking number 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 2022-10-15
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) 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. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: NC
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I deposited {$300.00} cash into a vacation club savings account at M & T Bank branch in XXXX NJ. The deposit never went into my account. A copy of the receipt from the teller was emailed to their customer service rep and I have had conversations with the branch manager, XXXX. They have been in contact with their back office and to date my account has not been credited. On XX/XX/2018 XXXX stated sometimes this can take a week or more even if it was a cash deposit that did not post to the account. He said they can only contact the department that makes corrections by email and their is no senior management person he can call to inquire as to why this is taking so long. 

I want to close the account now as I am so frustrated with all the errors M & T has been making on other accounts as well that we have been having. Those issues have been finally resolved and this remains open. 

While I know this issue will get resolved eventually, it is mind boggling that cash ( and this could just as easily have been {$3000.00} in cash I would not have access to ) deposits go missing and the customer has to wait for days for a simple correction to the account that is clearly the bank 's error. What is the point of getting the receipt for a cash deposit. It is further distressing that if I had not checked on line that the balance was wrong, M & T Bank did not flag an error from a deposit made on XX/XX/2018. Had I had balanced our accounts as I do monthly, my husband and I, who are both over XXXX years old and have health issues would never have seen this money again. I have spent hours on the phone with M & T Bank, including their corporate offices in XXXX. What do people do who do not have the resolve to do this. How many other cash deposits may M & T posted into a black hole never to deposit correctly. This is the bank that had money laundering issues and could not complete the purchase of XXXX XXXX XXXX Bank in NJ ( who was a great bank ) for over three years because of the money laundering issues.

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 2020-07-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an FHA mortgage loan thru Wells Fargo in 2009. I then started the process of modifying it thru a goverment program that was offered at the time. Wells Fargo put me on a payment plan during the modification and said it wouldn't be reported negatively my credit. We paid the payment they gave us every month, on time, for 18 months until the modification was complete. I just had my credit ran to see about doing a refinance on my current home loan and the broker shows that wells fargo loan as a foreclosure. I disputed that years ago and thought it had been removed, but apparently it had not. This is really affecting my credit score, and I never defaulted or had a late payment. I did exactly what Wells Fargo instructed me to do.

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