BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-18
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
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:
I do not recognize these accounts. I believe I was a victim of identity theft. I have no contracts or agreements with these companies. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! Once again I confirm that accounts are not mine, because I assure you, I have never taken out these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: JPMORGAN CHASE & CO.
State: TX
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:
On XXXX XXXX, XXXX, I was approved for auto financing through XXXX XXXX Bank. On XXXX XXXX, XXXX, a contract was signed between myself and XXXX XXXX in XXXX Texas and XXXX XXXX Bank was the financing company. 

On or about XXXX XXXX, XXXX, I was informed by XXXX XXXX Bank that XXXX XXXX of XXXX XXXX retracted the contract. When asked why, XXXX stated that my social security number was invalid and he therefore could not sell me the vehicle. 

However, after I requested that he put it in writing, several inquiries appeared on my credit report for auto financing. 
I never agreed nor authorized XXXX XXXX to apply for any credit. I was already approved through XXXX XXXX Bank and the contract was signed on XXXX XXXX, XXXX. 
A complaint was also filed on XXXX XXXX, XXXX with the XXXX of XXXX XXXX commissioner. 

Please review attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
New car loan in XXXX. Low down payment, poor credit with co-sponsor, but needed car in order to work. $ XXXX/month! Was told that if I paid for two years, I could trade in and lower payments. Unable to do this due to late payments. Car valued at {$18000.00} brand new. In XXXX, talked with a dealership about trade and was told that I had already paid in over {$32000.00} at that time. Loan amount due at that time was {$24000.00}!!!!!! Unreal! He told me that a LOT of people were in for this predatorial lending! 

Spoke with creditor many times about lowering payment due to financial difficulties. I complained to them about this and it should be noted in my file! Could not file bankruptcy due to the impact it would would have on my co-sponsor. 

Lost my job in XX/XX/XXXX and could not get a XXXX position due to COVID. Had filed for unemployment for XXXX - XXXX but never received. Spoke with XXXX many times that I would try to make payments once I had received unemployment funds. Unemployment funds were not received until late XXXX but not covered by COVID funds. Car was picked up the first week of XXXX. 

My mom had heard on XXXX XXXX show that a class action suit had been filed. I am a prime candidate and hope I may be included in this suit!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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  continues to report a charge off from 2015 on my 3 credit bureaus in excess of {$1100.00}, I have disputed this with all 3 bureaus and the  company over the phone and in writing. The account was taken out online and they do not have any proof it was me. No copy of my drivers license or signature. I did not take out this account. I have done all I can to get the situation corrected. Please help.

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 2021-11-01
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I've been going back and forth with this company about a inacurate bankruptcy being reported on my credit report in which they lied and said they verified it trough XXXX XXXX Thats not true because i reached out to XXXX XXXX and its not reporting on my report i also reached out to the court and they said they dont report such 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 explanation
Consumer complaint received 2023-02-07
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: Account information incorrect

Complaint:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2022-02-04
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: Information belongs to someone else

Complaint:
I'm getting irritated since these elements from my report are still visible. You have not sent me any proof or documentation that has my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XXXX put a collection on my credit report on XX/XX/XXXX for {$120.00} due to XXXX. I never received internet services from XXXX as I was outside of there grid and cancelled the account within 5 days on XX/XX/XXXX. I have a letter from XXXX admitting fault that they should have never submitted my account to XXXX XXXX XXXX collection agency. XXXX  and XXXX have deleted the collection off of my credit report. However, I have disputed with Equifax 3 times and it won't get deleted. XXXX keeps telling me they have notify all 3 credit bureaus on XX/XX/XXXX. Equifax keeps telling me XXXX tells them the account belongs to me. The 2nd dispute with Equifax they updated the balance to XXXX  showing paid on XX/XX/XXXX. I never paid anything off. Equifax or XXXX is not helping me out. It shouldn't be this complicated to remove this off of my report since it was an ERROR. I am trying to apply for a loan this is making it difficult for me financially due to my FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I noticed that XXXX XXXX ( they finance my vehicle ) took a payment out twice. I notified Bank of America, they told me there was nothing they could do. My account clearly went negative due to this. No one has done anything for me. Ive been dealing with this ordeal since then and I need help.

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 2020-12-08
Company: Netspend Corporation
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Transaction Dispute filed with PayPal : I ordered merchandise from the internet on XX/XX/2020 which was a WiFi Booster, I never got a confirmation via email and the number provided on my card # ending in XXXX isnt reachable. I went on the website and it says its for Charcoal packages, that is not what I ordered I ordered a Wifi booster. So I found out the company is in XXXX somewhere and they are a scam. Can you please refund my card. The transaction is for {$58.00} on XXXX XXXX. I still have not received the merchandise but my debit card company is still charging me. I attempted to dispute it but was declined to receive a permanent credit.

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 2020-05-18
Company: Comerica
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Withdrew {$1300.00} ( 4 Transactions, XXXX ) from Terminal XXXX XXXX XXXX, New York on XX/XX/2020 . Went directly home to divide $ for payments to creditors. Counted out only {$840.00}, Shorted {$480.00}. Went back to XXXX and I was told to call Comerica DirectExpress. After 2 requests to get required paperwork that I was told had to be filed, it took 15 days to receive. Faxed & mailed back on XX/XX/2020 and received form letter back dated XX/XX/2020 that it was determined no error had occurred. Requested copies of papers used in determination. Received just the paperwork I sent them. When I tried to contact Comerica DirectExpress to resolve this, I am locked out as Comerica XXXX has determined the issue closed. I have contacted XXXX of terminal XXXX and they have no inquiry from Comerica DirectExpress and can do nothing without Comerica DirectExpress inquiry. Sent affidavit of the facts to ComericaDirect-Express XX/XX/2020 with a 10 day response time or be in dishonor!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying to resolve an issue I have had with this company for at least two years. I was told to contact a law firm regarding this account which I did and they told me to call Midland. I called Midland and told them I just wanted to settle this matter and they stated they were not currently collecting on the account. They indicated the would call and let me know who now was in charge of the account. I never receive any return phone call. I do not understand how they can report this account on my credit report and update it monthly, causing maximum damage to my credit score. However, they are unable to tell me who to speak to about this account. This has become ridiculous and I want this removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: MOHELA
State: GA
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:
XXXX, XXXX  XXXX  and Mohela  are in violation of the Fair Credit Reporting Act. They all continue to report my student loans in deferment and continue to report the incorrect payment history despite me submitting proof multiple times for months .The Credit Bureaus are also in violation of providing verification method. Even with my proof that I am not in deferment and despite the Cares Act Law they continue to report in deferment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: Big Picture Loans, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Application Date : XXXX XXXX, XXXX Effective Date : XXXX XXXX, XXXX On the application date above, I submitted an application to Big Picture Loans for the amount of {$800.00} to be pay a couple of bills. Thinking the loans would provide temporary relief, week after week, because the XXXX rate is 497.6265 %. For a {$800.00} loan, I am going to end up paying back {$2000.00} which is not fair. I am having a hard time trying to pay this loan back. I have called numerous times to have my due dates changed to match my new pay cycle so I would n't occur daily fees making it also impossible to pay them back, but they refuse to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: National Credit Adjusters, LLC
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 information incorrect

Complaint:
National Credit Adjusters continues to violate the Fair Debt Reporting Act and the Fair Debt Collection Act. National Credit Adjusters willfully and willing re-aged this alleged debt knowingly violating the consumer laws for the FDRA and the FDCA. Re-aging a alleged debt is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Marcus by Goldman Sachs had a special offer in early 2023 : " Get a {$100.00} Cash Bonus when you deposit {$10000.00} in new funds to a Marcus Online Savings Account. '' The requirement was to enroll in the promotion, deposit {$10000.00} in new funds within 10 days, and then maintain those funds plus the existing balance for 90 days after the 10-day funding period. 

I enrolled in the promotion on XX/XX/XXXX and received a confirmation email from Marcus. The promotion was correctly noted on my online banking account. I deposited {$10000.00} on XX/XX/XXXX to meet the terms of the promotion. 

On XX/XX/XXXX, I notice that the promotion had disappeared, so I called Marcus. The representative said that she fixed the issue and gave me a case number. The online banking portal appeared to say that I had been re-enrolled in the promotion on a date in XXXX. 

On XX/XX/XXXX, I noticed that the promotion had disappeared from my online banking. I wrote in via chat. The representative confirmed that I was enrolled in the promotion on XX/XX/XXXX, and that I deposited funds on XX/XX/XXXX, but said that I was not properly enrolled and could not discuss further via chat.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-21
Company: EQUIFAX, INC.
State: MD
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 and Equifax have Collection accounts and inquiries that are fraudulent and do not belong to me. THERE WAS NO PERMISSIBLE PURPOSE AS PER THE FCRA LAW, I DID NOT APPLY FOR LOANS OR CREDIT. As well, they have several variations of my name, inaccurate addresses that do not belong to me, attached to some of these fraudulent inquiries and collection accounts which is causing financial damage because the information is inaccurate yet its causing me to lose job opportunities, etc. I have not contracts with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX or the alleged, original creditors. 

THE ONLY NAME, ADDRESS AND NUMBER THAT SHOULD BE ON MY REPORTS ARE : Update my name and address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: TD BANK US HOLDING COMPANY
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:
My personal information was stolen on XX/XX/2016. I received reports from the credit reporting agencies that I had several accounts that were late. Upon checking the report I discovered numerous accounts that were never opened by myself or authorized by me. These accounts were opened using my personal information and ss number. I have reached out to these companies on several occasions and they are still contacting me and still showing up on my credit report. These are not my accounts. I have also mailed in or faxed my police report. 
Below is the information on the companies and amounts Nordstroms {$400.00} XXXX XXXX XXXX {$9200.00} XXXX XXXX {$2200.00} XXXX XXXX {$2200.00} XXXX {$2200.00} XXXX XXXX  {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: BAY VALLEY MORTGAGE GROUP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
this is a follow request to my complain with Pacific Bay Lending. Based on my experience in mortgage industry. this company is not adhering to ECOA and Reg B guidelines. My loan was not decisioned within first 30 days of application. My loan is at day 45 and still no decision. Rate has now expired. Being in the business and industry when i spoke with the account executive XXXX he said " We were unprepared for this amount of volume '' and that since i am in the business i should understand this. This is not a valid excuse to not adhere to ECOA and RegB guidelines. I expect a follow up investigation in this companies untimely and " unpreparedness '' This is unfair to unknowing clients where fees and costs will be passed down to the client when the delays have all been on lenders end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Ray Klein, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
PROFESSIONAL CREDIT SERVICE # XXXX* XXXX XXXX XXXX XXXXXXXX XXXX XXXX OR XXXX ( XXXX ) XXXX I disputed the above named company for reporting that I owed them {$94.00} dollars. I spoke to this company via phone in XX/XX/2019, and asked them to identify me as the person who opened a telephone account with their company. The above named company could not provide me with a social security number that I provided them with to positively indentify me as the person who had a phone account with their company. 

Moreover : 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owe as third-party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus, failed to do so. 
7. above company must submit to Consumer Finance what name was submitted for these alleged business transaction ( s ) and/or service purchased. Or any items purchased. Above company named must submit the correct spelling of my name and address I reside at while contracting or purchasing their services or items. Above named company must provide full information identifying me as the person doing business with them on said date submitted above.

Company response to consumer: Closed with explanation