BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-29
Company: Experian Information Solutions Inc.
State: NV
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 disputed the student loan accounts with Experian for several attempts to no avail..The student loan should not be reported on a credit report since its a government funded loan and only private funded loan should be displayed..Worst the loan is reported duplicated..Remove 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 2020-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I filed a complaint with transunion 3 times already XXXX and all were denied. Complaints against XXXX, original XXXX XXXX XXXX. We aquired a camp membership in XXXX and did not have any other new contracts. This should of been removed. It is over 16 years old and XXXX has the same contract listed 3 times on my credit report in which they keep changing the date of aquirement which was XXXX only. It was a membership to use the campground. I called the campground to remove my contract and they didnt. We only used it one year for XXXX. This was for use of campgound not ownership.

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 2021-06-01
Company: Nationwide Recovery Systems, Ltd
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Nationwide Recovery Systems started harassing me via phone XX/XX/XXXX for a medical debt from XXXX that was PAID IN FULL in XXXX. I have documentation from the bank supporting that I paid the original medical company, XXXX XXXX XXXX XXXX, in full in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Bank Of America Credit Card. I presently have a large negative credit card balance due to XXXX credit refunds totaling {$3900.00} XXXX XXXX airline tickets refunded ) of which I requested a refund on XX/XX/2020 of which the customer service rep stated he would have deposited in my bank account. I was told it takes XXXX to XXXX days to transfer. Today, the refund had still not shown up in my checking account The gentleman I spoke to XXXX XXXX XXXX, Texas XXXX of XXXX XXXX for Bank of America XXXX stated it could take up to XXXX billing cycles to get this refunded. He stated it was policy even though other representatives had told me different. The refunds were issued on XX/XX/2020 by XXXX XXXX. Today with everything being electronic I can understand XXXX to 6 days but not XXXX billing cycles that my money is being held. XXXX CFR XXXX - Treatment of credit balances ; account termination states : ( ( XXXX XXXX Refund any part of the remaining credit balance within XXXX business days from receipt of a written request from the consumer ; ). Bank of America received my oral request and accepted that request on XX/XX/2020. They need to deposit my refunds in my bank account as I requested.

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 monetary relief
Consumer complaint received 2021-06-01
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My XXXX statement with Goldman Sachs is incorrect. On XX/XX/XXXX I received a refund for a transaction that I didnt want in the amount of {$10.00}, but when the XXXX balance is calculated I never received the amount refunded. They still charged for XXXX. When I asked their so called specialist, they agreed with me that there was an error but they were unwilling to correct it. I waited until the next statement thinking it would be corrected but the balance was never corrected. Plus the installments figures do not add up. They said the installments are XXXX but I only pay XXXX. Basically the statement is all wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: EQUIFAX, 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:
Please remove the following inaccurate accounts from my credit report immediately. These accounts does not belong to me XXXX XXXX account does not belong to me XXXX XXXX- no contract- account does not belong to me XXXX XXXX XXXX XXXX not contract- account does not belong to me XXXX XXXX- account does not belong to me XXXX- account does not belong to me - no contract

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16
Company: GOLD KEY CREDIT, 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 are multiple companies reporting a debt that was incurred while I was living in a different state and someone else obbously used my info to go to the er The companies are XXXX XXXX XXXX XXXX Gold key credit XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
bank of America is still reporting a balance and outstanding account opened and this account was to be closed and reflect a XXXX balance do to fraud and them not properly handling and closing the account and remaining to let it continue they are in violation of the credit regulations and rules and still are reporting this on my credit files which it should not be I would like this fully handled at once I have reached out on this for over a year now

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 2020-05-29
Company: EQUIFAX, 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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER XXXX DAYS. THESE ACCOUNTS ARE FRAUD AND SHOULD BE DELETED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Would like to be able to pay merchants with XXXX XXXX by way of PNC it's been n/a for over 6 months due to something with PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please help me. I don't know what to do anymore. I'm trying to buy a house and I can't close escrow because there is a collection on my credit report that isn't mine. The collection agency says its for a payday loan but I've never had a payday loan in my life. 

I've tried fighting this account already with the credit bureaus and the collector back in XXXX. Until now I haven't received any response from anybody. I've even hired someone to help me and he isn't receiving much help either. We've called and told the collection agency that I was going to lose my escrow and they don't care. We've told them this was fraud and they still don't do anything about it. The person helping me was even able to speak to the director of Operations for XXXX XXXX XXXX and they still haven't done anything to fix this. XXXX XXXX was his name. 

I will send you a copy of the e-mail my representative sent to XXXX XXXX XXXX 's request and we haven't received a response to those either. No response when I sent a letter to ask for paperwork by XXXX XXXX XXXX, no response to my letters to the credit bureaus, no responses to the e-mails to XXXX after XXXX asked for them himself ; no response of any kind from anyone has ever been received. 

I need your help in getting this removed from my credit report. My escrow was supposed to close today but by a MIRACLE we managed to extend this one more time for 15 more days. I don't want to lose my house because a collection agency is trying to collect an account that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter to Southwest Credit Systems on XX/XX/XXXX. They have not responded in writing to my request. However, on XX/XX/XXXX I was notified by a credit monitoring service of a negative collection entry on my credit report. Although I included a cease and desist request within the debt validation letter I received calls. I took one call on XX/XX/XXXX in which I explained the situation. They verified their receipt of my letter and their entry to my credit report. After I explained their violation of the FCRA regulation that prevents a company from taking such action before the validation of the debt, the representative stated that they don't delete entries on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX/XXXX XXXX {$2000.00} XXXX XXXX  XXXX Paid, Closed. 

XXXX XXXX {$7700.00} XXXXXXXX XXXX XXXX/XXXX XXXX {$640.00} XXXX/XXXX XXXX {$790.00}. 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2020-08-21
Company: SYNCHRONY FINANCIAL
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:
I previously held a Bill Me Later account, also know as Pay Pal credit. The original service provider over the account was XXXX XXXX. On XX/XX/XXXX I entered a hardship program on the account with XXXX XXXX. They required that I pay {$52.00} upfront to bring my account current and they would decrease my monthly payments to {$36.00} a month, which I did. On XX/XX/2019 my account was transferred to Synchrony Bank and they became my new service provider. Synchrony Bank immediately started report my account as 120+ days past due to the credit bureau ( starting XX/XX/2019, even though they were not my service provider at that time ). I called Synchrony Bank asking why my account was showing 120 days past due even though I paid the {$52.00} to bring the account current. No one could give me an answer outside of ( the hardship program does not bring the account current, it just modify the payments ). I ask multiple people in the company what was the amount I needed to pay to have the account no longer show 120 days past due and no one had a number. As month passed I continued to call, file better business complaints and Synchrony Bank never gave me a solid answer why they were reporting this 120+ day delinquency. So recently I got fed up and emailed the CEO. I immediately got an email saying someone will reach out to me about my account. One business day later a representative from the office of the President for Synchrony Bank reached out to me. She told me they had to report the 120 + day late payments and could not go back and remove the late payments, even though I've already paid the account off and settle the debt. I asked her why did I pay the {$52.00} initial payment to bring the account current. She told me I entered the hardship program with XXXX XXXX  and they do not have access to any of the documentation from them. 

I am confused on how I entered a hardship program with the XXXX XXXX, paid to bring the account current ( at the time of them being my service provider ) and a new service provider takes over the account and voids that agreement. 

Synchrony Bank representative told me if I had some kind of documentation showing I paid the {$52.00} to bring the account current they may consider that. 

I called XXXX XXXX  and they keep sending me over to Synchrony Bank because they no longer service Pay Pal accounts. I am literally getting the run around to remove late payments from my account that should not be there.

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 2021-06-01
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am a victim of predatory lending and was told that I am included in a {$550.00} XXXX class action multi-state settlement. By Santander Consumer USA Manager XXXX XXXX ( on a two way recorded conversation which I have in my possession ). 

Santander consumer USA /Chrysler capital refuses to provide a copy of my loan application, nor will they go over it with me ... After expressing concern that information on there may have been manipulated by the dealer, for Chrysler Capital and Santander Consumer USA interest.. 

In addition, I was recently informed that an internal score was used to approve my loan ; which I was un-aware of upon signing the contract. 
Failure of Chrysler Capital/Santander USA to disclose said information ; left me with NO other options to shop with other lenders. Santander Consumer USA/Chrysler capital refused to furnish me with my internal Credit score. 

Although, According to the Fair Credit Reporting act they MUST maintain all information. I believe I was lied to, and taken advantage of. 

Lastly, my APR was NOT disclosed to me during signing on XX/XX/2018 Moreover, they knew I would default on the loan and my first missed payment was XX/XX/2018. XXXX XXXX was XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax is reporting a delinquent account from a collection agency called XXXX XXXX for a medical bill with XXXX XXXX XXXX for {$60.00}. I paid this bill in full with the collection agency on XX/XX/18 at which time they sent me a letter stating they requested all credit reporting agencies delete the account from their records. This debt was removed by XXXX  and XXXX  the following week. I have already disputed this debt with Equifax and they refuse to remove this account and to make matters worse it still shows delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On or about XX/XX/2020 I tried making a transfer from my cash app account to my XXXX XXXX. Cash app instantly locked my card for potential scam. I reached out to them several time and no one responded. I kept sending emails. Eventually they blocked my email address from emailing them. Then 2/3 days later they took all {$6600.00} out of my account and kicked me out of that same account forcing me to sign back to regain access of my money and account but I was only able to create a new name. They left me at a {$0.00} balance. And they still have refused to contact me back about how I can receive my money that was in my account. Please can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PennyMac is my mortgage broker. They allege they issued a check to pay my property taxes at the beginning of XX/XX/XXXX. However, the city of XXXX did not receive my payment and I had no idea. In XX/XX/XXXX, I received a letter from the City of XXXX indicating that my house would be put up for tax sale on XX/XX/XXXX if I didnt pay my delinquent property taxes. I immediately called PennyMac who told me it would take up to 14 days for them to provide me with the tracking information on the check they had allegedly mailed. I continued to spend hours on the phone with PennyMac and then hours on the phone with the City. Finally, I contacted the mortgage provide who sold my loan to PennyMac. He was able to connect me to someone at PennyMac who issued the check in XXXX for my property tax payment that was due in XXXX. PennyMac never confirmed to me that the payment was made. I had to get confirmation via the city of XXXX. 

Once the XXXX tax payments was finally received by the city, I thought I was in the clear for future payments. However, my tax payment that was due at the end of XXXX has not been received by the city. I called PennyMac to request proof of payment and they informed me that the tax payment was wired on XX/XX/XXXX. However, they would not be able to provide me the wire confirmation number for up to 5 business days. 

Its absolutely absurd that I have spent 16+ hours mediating between the city of XXXX and PennyMac over the payment of my property taxes when PennyMac is legally obligated to pay the taxes from my escrow. I have asked PennyMac time and time again how I can ensure that all future property tax payments are received on time and they have not provided a solid answer. Its infuriating to face possible consequences for being delinquent ( like the fact that my house was nearly put up for tax sale ) when I have no control over the transfer of funds from PennyMac to the city.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: EQUIFAX, 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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: GOLDMAN SACHS BANK USA
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 I contacted Apple Card issued by Goldman Sachs to report a dispute for a purchase made on XX/XX/2020. The goods purchased were not delivered within the agreed upon time frame and I received no response from the merchant. Goldman Sachs refused to accept my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I been previous disputing with Experian and XXXX  the following account XXXX XXXX  XXXX, XXXX XXXX and XXXX XXXX. These accounts have been paid in full and are old to be part on my credit report. Every time I dispute the account I receive an email or letter that the accounts was previous dispute but the don't fix the inaccurate information form my personal credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation