BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Dear Sir or Madam, My ex spouse, XXXX XXXX used my social security number to applied several credit cards and may get financial benefit by using my personal information to create false employ information for his friends who is applying permanent resident. I had a joint account with XXXX XXXX. It was according to the suggestion of Attorney XXXX whom XXXX hired to help apply permanent resident for me. XXXX XXXX has repeatedly stated that I dont need to bother about our joint account. That is just what he used to pay utility bills and set up his own credit card for automatic repayment. XXXX XXXX own main financial activities still use his personality account. The existence of joint account was his tool for damaging my credit. He even used joint account to cash pay stub check under my name. Actually I didnt work for anybody and he requested me to be a housewife since married. Had been a housewife for several years and unfamiliar with the country, I was isolated from society and never checked my credit report by myself. XXXX XXXX closed the joint account personally after I noticed identity theft issue. But he continued to hurt my credit. 
I am a victim. Besides credit hurt, XXXX XXXX kited money from my family. I am a single mommy who is undergoing hard life right now. XXXX XXXX doesnt pay child support. The reason I mentioned this is to figure out that I am a person with responsibilities. There are many people and things I life that can testify my character. I did not apply for and used these credit cards, nor did I know. I believe in justice and law. Although hard, I tried my best to resolve this probelm. 
I called the police. The Police Report No. is XXXX andDetective Officer XXXX XXXX is responsible for my case right now. 
I had summited a identity theft report about this to Federal Trade Commission, and the reference number is XXXX. 
I had summited dispute request to the three credit report companies. One of them has removed credit history about fraudulent cards and the other two is under investigation. 
I sincerely prayer results of this case are consistent with the facts. 
Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I could not pay my mortgage payments because of COVID-19 pandemic. I have two loan on my home. The problem is with my second mortgage. I applied for mortgage deferment and it was accepted. After six months my first was extended for another six months but my second was denied. The mortgage company started foreclosure notice. After trying to talk to them and explaining my job situation, they did not accept my reason for falling behind my mortgage payments. I borrowed some money and on XX/XX/XXXX made a {$1100.00} payment and on XX/XX/XXXX made a {$1000.00} payment trough my bank. The payments were returned on XX/XX/XXXX and XX/XX/XXXX because my loan was in default. Meanwhile I had to go overseas for work on XX/XX/XXXX. After trying to talk to them to buy some time unsuccessfully and with foreclosure proceedings going forward, again borrowed some money and made a payment on XX/XX/XXXX for the amount {$7100.00}. The foreclosure notices kept coming. On XX/XX/XXXX made a payment for the amount {$2000.00} and on XX/XX/XXXX made another payment for the amount {$3000.00}. After making payments and bringing my payments up to date. They charged me {$250.00} for late charges and drive by appraisal, I tried to talk to them to waive these charges because of the special situation of COVID-19 and jobs which I was having, but did not accept and they also reported my late payment to Credit Reporting Agencies. I have paid all the late charges and appraisal fees and I am up to date on my mortgage now. They could have helped by waving late charges and drive by appraisal.

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 2020-08-26
Company: ProCollect, 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:
ProCollect attempted to collect a payment for a charge from an utility company wherein the utility company had incorrectly billed me for an entire condo building instead of just my individual unit

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 2018-04-21
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: Their investigation did not fix an error on your report

Complaint:
On several occasions, once successful, I have tried contacting Equifax about my credit score. My score was over 700+ and took a serious dive when false information was reported. I immediately after filed a dispute, and the information was removed. However, my score never recovered the score it had at the time prior to its decline. The low score remained.

Another issue is whenever my score climbs a little, then it drops significantly again, all while my usage, and non late payment stay intact. My score is constantly pushed down to the 600 level. Is this based on race, socioeconomic status or something else? I'm not sure.

My credit utilization remain under 4 %, never over 35 % and no late payments for the past year+. I was told that other factors contribute to my declining score, but they failed to show what those factors are. I have not moved in past 13 years and my student loans are current, I make timely payments and keep my usage low. What other factors could influence keeping my score below a 700 level? I understand that credit don't just jump, but how do you explain my score rising over 700 and continue to fluctuate when I have managed maintaining a great credit profile.

I have tried submitting a dispute online, but is never able to due to being rerouted to paying a fee for services. I did pay a fee once after told I had to look purchase my credit score to address inaccuracies. They still have not fix the problem. What can I do? I am all out of options and don't know if I can pursue this legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a current myequifax account and their site will not allow me to manage a credit freeze. The website directs me to an 800 number and when I go through the process it says it can not perform the credit thaw. The phone number then re-directs me to the website. 
This poor customer service and the inability to manage one 's own credit file is totally unacceptable. 
It feels as though Equifax punishes customers who choose to protect their credit by freezing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: SYNCHRONY FINANCIAL
State: GA
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:
I did not authorize this inquiry

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 2018-12-07
Company: WELLS FARGO & COMPANY
State: MS
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:
I was recently notified that my credit score dropped because of a delinquent payment. The account in question is with XXXX XXXX  XXXX, now reporting as Wells Fargo. I was added to this account as an authorized user. The primary card holder requested that I be removed in 2010. About a month ago ( XXXX ) I was notified by a credit alert that a delinquent payment caused my credit score to drop. The primary cardholder as well as my self made a call to the Company on several occasions, but could not speak with the account rep that was assigned the case. Attempts to leave voice messages failed because the mailbox was full. I never used the services or requested the service, and I was never notified personally the account was delinquent. I am seeking relief of this problem. I am including the phone number as well as the case number regarding this account. Case number XXXX phone number ( XXXX ) XXXX XXXX Thanking you in advance.

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 2018-04-21
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Started by calling COINBASE, a currency trading company located in California, seeking help to download their app, since all the codes sent to me by them failed to download the app. XXXX XXXX, supposedly a company representative answered the call & offered to guide me step by step to download the app & be able to trade when I want to. When I noticed that my account balance dropped markedly, I went through all the transactions to find out Coinbase company had withdrew significant amount of money totaling {$70000.00} within less than a month without my authorization or consent. XXXX XXXX claimed that was illegally done by a former employer that was fired, but then he claimed that it was a computer glitch, but he promised that all my money will be refunded back to my account. Coinbase refunded {$6500.00} & XXXX to my account but no more. A balance of {$53000.00} is remaining to be refunded. When I failed to reach XXXX, XXXX again, I called Coinbase tool free, they indicated that the account is on hold & being investigated by security dept, but they offered no further details. ( Any transaction with Coinbase, needs to be done from their app on my own PC or my phone. Until now this app is not installed on either one. ). In short, I never placed any order, authorized any fund withdrawal or placed any order. 
PLEASE REFER FOR MORE DETAILS IN THE ATTACHMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This letter is to follow up any response from you after 30 days of investigation. As I reviewed my Credit Report I have noticed that there is still an item that is reporting as erroneous and incorrect information. I was never late on this account on XXXX. Balance is incorrect. This is a good standing account. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. Please remove all negativity. 



XXXX XXXX XXXX Late Date 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 2018-04-21
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We contacted Consumer Finance regarding errors in our billing. ( We pay one month in advance due to Santander 's high interest rates ). As the result of the complaint, we received an apology and assurance that the problem had been fixed. This month, not only were we arbitrarily removed from receiving paper statements, but our online statements have all been changed, so that now there is actually no evidence of our ongoing extra payments. I phoned the office on XX/XX/XXXX to speak to someone about this and " XXXX? '' informed me she is " not allowed '' to speak to me and all calls I make must be " handled by the legal department ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Experian Information Solutions 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:
Account was opened older than 10 years and should be removed from 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 non-monetary relief
Consumer complaint received 2018-12-07
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have a bankruptcy on my Equifax credit file that I didnt file in XX/XX/2015 and it showing on my Equifax file and this is stopping me from getting a mortgage I never file in XX/XX/2015

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-07
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:
There is information and accounts that are reporting on my credit file that does not belong me. Please assist me in getting these items removed : XXXX  ( reporting 3 times ) on XXXX  XXXX - XXXX, XXXX, Experian XXXX XXXX - XXXX  These accounts are reporting due to fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-10
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I am a co-signer on a vehicle my daughter purchased using Santander Consumer loan company. My daughter fell behind in payments, vehicle was reposessed in XX/XX/XXXX. The original loan was {$12000.00} for XXXX XXXX XXXX. My daughter made payments of {$550.00} a month for a year in XX/XX/XXXX. After vehicle was repossessed I received a receipt that the vehicle was sold after repo and there was a {$12000.00} unpaid balance. After fees for late payment, retaking vehicle and cost of selling vehicle there is still a {$7400.00} balance due. 

Santander did not take into account the payments that were made in XX/XX/XXXX, which should have made the remaining balance much lower. I believe Santander prey on minorities by charging double the going interest rates over 29.99 %

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hi, I consolidated my school loans with XXXX XXXX under the belief that my payments would count for eventual loan forgiveness after 120 consecutive payments. I am a full time local government employee and my employment was certified, but after 5-6 yrs. of payments, I have been told that none of those payments would go toward the forgiveness program. I was misled by XXXX XXXX. I recently consolidated with the right program after I sent the certification forms and found out. 

Something should be done. It's not right that I was misled. I went back to school at night and on weekends. I did so as a single custodial parent. This type of program would be very helpful to my financial situation. 

Please advise how this can be remedied. I made on time consistent payments through auto-deduction and it's not right that nothing can be done. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018, I contacted the creditor and informed them that the debt did not belong to me as I was not the recipient of services, nor my child, and both my child and I were medicaid recipients during the alleged date of service. Furthermore, the address that they had on file has never been my addressed and it is where they sent all previous notifications to. 

On XX/XX/18, I sent a letter to the Creditor requesting for verification and validation that the debt belonged to me, including any documentation that they have the proves that I am contractually responsible for the debt and a document bearing my name and signature. I also requested documentation evidencing that the debt was acquired by them and/or assigned to them. Additionally, since it was a medical related debt, it is customary for identification to be obtained at the time of service as well as consents to treatment. I requested them to provide such information as proof of the debt belonging to me or my child. 

On or around XX/XX/2018, the Creditor sent me a copy of a bill, with nothing more to evidence that the debt legally and contractually belonged to me, nor evidence of the assignment of debt. 

The amount of the debt is {$960.00} and the name of the person who received services is not me. 

I also reported this item to the XXXX credit bureau and they reported it as verified as accurate, however a bill is not proof of verification of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The following unauthorized inquiries are not mines and was not authorized by me, this inquiries are fraudulent and I'm requesting that they be removed immediately. 

1  ) XXXX XXXX XXXX XXXX ( XXXX ) 2   ) XXXX XXXX XXXX XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX XXXX ( XXXX ; ) 5 ) XXXX  XXXX ( XXXX ) 6 ) XXXX XXXX XXXX   ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX  XXXX XXXX ( XXXX ) 9 ) XXXX  XXXX XXXX ( XXXX ) 10 ) XXXX XXXX XXXX ( XXXX ) 11 ) XXXX XXXX  XXXX ( XXXX ) 12 ) XXXX  XXXX XXXX ( XXXX ) 13 ) XXXX XXXX ( XXXX ) 14 ) XXXX  ( XXXX ) 15 ) 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 2021-06-26
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I am sending this complaint because Experian is misreporting an account. I sued the company XXXX XXXX XXXX and I won the case on XX/XX/XXXX. 

Account information is as follows : XXXX XXXX, date opened : XX/XX/XXXX, closed date : XX/XX/XXXX, credit limit : {$7600.00}. 

It is my right to get this account deleted from my report. This is affecting my financial and emotional life. Experian must stop reporting this account as soon as possible. 

Please see attached proof of case won.

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 2021-09-10
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is showing a delinquency of 120 days in XXXX, 60 days in XXXX and no delinquency in XXXX however in XXXX to shows 30 days past due. This reporting is incorrect. For example two payments were made on XXXX XXXX totaling XXXX drafted from my checking. My monthly payment is no more than XXXX to XXXX. Request research be done and the payment history will in fact show this payment being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
chase allowed someone to use my account they have not fixed this since XX/XX/XXXX i 've made them aware of this several time and show them proof that i never received these items

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Trans union is blocking my ability to secure lending by reporting my information under a deceased individuals SSN I have sent them a copy of my SSN via mail, and followed up to verify if the issue is resolved. I was told my XXXX XXXX on XX/XX/XXXX the death notice was removed. On XX/XX/XXXX I was closing on a car and my loan was not approved because of the deceased individuals SSN being tied to my account. Trans union has done nothing but block my ability to secure lending.

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