BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-05
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The alleged creditor claimed I owed a amount this is does not support any evidence of this claim amount. This alleged debt is pass the statutory limit, and does not have factual information. This company sold my information to a another entity in which is is a non government or state regulators business. The entity charged the loan of fault ( FL USURY 18 % ) This entity is claiming a debt that is not owed by me and any debt related to social security XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: CA
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In anticipation of applying for a mortgage, I needed to unfreeze my credit with Equifax. I was unable to log in using my previously established user id and password. Attempts to re-set password failed. On my first call to Equifax, after lengthy holding and repeated input of personal info. I was able to speak to an actual person. That person placed me on hold ; during the hold an automated survey began. I participated in the survey as I was under the impression I would be returned to customer service at the conclusion. Instead, my call was disconnected. Total time on call was 30 minutes, phone number dialed was XXXX. Using a different Equifax customer service number, I called again. Again, after connecting with a person and being placed on hold, the automated survey began. I did NOT respond. Again the call was terminated by Equifax. Total time on call was 19 minutes, phone number dialed was XXXX. Equifax has made it impossible to complete a call and obtain any resolution via phone. They do not provide an email address. They do not provide online " chat '' or support. They deliberately make it as difficult as possible to actually get help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29
Company: Experian Information Solutions Inc.
State: MA
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:
I XXXX XXXX XXXX have no other recourse but to file a complaint with the Consumer Financial Protection Bureau, because XXXX XXXX  refuses to protect my rights under the Fair and Accurate Credit Transactions Act. I was a victim of identity theft by my ex-wife during divorce proceedings, and XXXX XXXX  as well as their respective lawyers trying to collect this debt are aware of all of the facts. If XXXX XXXX ever decided to take legal action on this indebtedness, they will find the case thrown out of court with prejudice. Accordingly, the only thing that XXXX XXXX  can do is damage my personal credit rating to partake in this fraud. I believe that any continuance on collections must cease and desist immediately, and that any reference to this account on each credit bureau should be deleted permanently. Identity theft has been proved and the attached documentation shows my position to be honest, along with a final divorce decree by the judge in said case docketed as XXXX, XXXX XXXX, Commonwealth of Massachusetts, Probate and Family Court Department. XXXX XXXX  continuing with a negative reporting of the XXXX XXXX credit card on all respective bureaus is a violation of their subscriber agreement whereas honesty and integrity must be maintained and consumers rights under the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act and the Fair Debt Collection Practices Act must be strictly adhered to. My complaint is solid and based upon a true definition of identity theft. My name must be cleared across the board on this matter. 

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 2023-05-30
Company: EQUIFAX, INC.
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:
The Texas Debt Collection Act. In Texas, debt collectors only have four years to collect on debt the statute of limitations on debt in Texas, the clock starts ticking when you fail to make a payment to the original creditor. Texas civil practice and remedies code 16.004 I received a letter on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX stating that I they have an account of mine in collections from an account opened under the name of XXXX XXXX XXXX back in XXXX, and after reviewing my credit indeed it was showing as showing on my collections tab. 

Any ways, in the letter it stated : in addition weve concluded that we are not currently reporting your account to the credit reporting agencies. But, in my credit report it shows that payments have been missing on negative status affecting my credit since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Is this is some type of XXXX that they are using? ( See attached documents ). 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA. XXXX ( Also, this debt collector company shows on all three of my credit bureaus with different addresses ) Please remove this from my account immediately, from all three of the credit bureaus. 

Thank you, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Kentucky Higher Education Assistance Authority
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My business suffered greatly due to Covid. My business has been not operating for months now. I called to remove the fees but the agent was only able to refund a few and was unable to refund the entire fees. Please refund the monthly maintenance fee ranging from XX/XX/XXXX to XX/XX/XXXX as I'm financially struggling.

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 2021-01-24
Company: STATE FARM BANK, FSB
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a truck in XXXX of XXXX with my mother cosigning for me. Everything was in perfect order until Covid-19 hit. I called State Farm Bank to see if I could get a deferment. They gave me one for XXXX, XXXX, and XXXX XXXX of XXXX ). I paid the regular payment in XXXX. I asked them again for another deferment ( and they gave it to me ) for XXXX, XXXX, and XXXX, XXXX. My next payment was due XX/XX/XXXX. I called and made a payment on XX/XX/XXXX. I waited and waited for them to take the payment out of the same account that I had been paying before Covid, for 2 and a half years. They never did. I was not aware that the company had merged with XXXX XXXX  in XXXX XXXX. It was around this time that I was beginning to see the issues this merge caused. 
I spoke with XXXX on XX/XX/XXXX and he explained to me that I could not use the account I had used for 2 and a half years, and I had to make the payment out of another account. I wasnt happy, but paid the payment. Reference number XXXX. 
I started looking into my account online, State Farm Bank. My account activity was crazy. 
The ACH payment schedule ( of {$360.00} ) from XX/XX/XXXX to XXXX XXXX All were made on time with never a late fee or mark on my credit! 
Then Covid hit. 
I asked for a deferment. State Farm gave me XXXX, XXXX, and XXXX of XXXX I paid {$360.00} on XX/XX/XXXX I asked for a deferment XXXX, XXXX, and XXXX. 
My payment for XXXX was made on XX/XX/XXXX. It was reversed XX/XX/XXXX Auto pay XX/XX/XXXX reversal XX/XX/XXXX Auto pay XX/XX/XXXX reversal XX/XX/XXXX Auto pay XX/XX/XXXX reversal XX/XX/XXXX Auto pay XX/XX/XXXX reversal XX/XX/XXXX Auto pay XX/XX/XXXX reversal XX/XX/XXXX Payment- they tried to take it out of my mothers account XX/XX/XXXX reversal XX/XX/XXXX payment XX/XX/XXXX reversal XX/XX/XXXX payment XX/XX/XXXX reversal XX/XX/XXXX payment XX/XX/XXXX reversal XX/XX/XXXX payment XX/XX/XXXX reversal XX/XX/XXXX payment XX/XX/XXXX reversal XX/XX/XXXX Payment XX/XX/XXXX Payment I never knew any of this! Since I saw this, it was erased from my account. 
I talked to XXXX XX/XX/XXXX said i was paid up until XX/XX/XXXX. XXXX I talked to multiple with State farm Bank. I was the one calling to try and get this straightened out. They never contacted me. I talked to each of them at least 2 times. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was paid up until XX/XX/XXXX, then they took a payment out of me XX/XX/XXXX. I asked for a return, as it was taken out of the wrong account. Now they are telling me my payment is due XX/XX/XXXX and I dont think it is right. 

I want my record cleaned with this bank/merge. If the covid didnt hit everything would be fine. I was unable to get any loan for XXXX, and was turned down for any credit cards. 
I am furious with this, and wanted to get away from this bank, and no one can help me with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: MO
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$10.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: AMERICAN EXPRESS COMPANY
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 was looking at my credit for the first first time in 5 years and I found fraudulent AMEX accounts on my credit report. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Early Warning Services, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX I am requesting a copy of my report- please see attached for : form filled out, drivers license, social security card, and proof of address. Please email it to email address on form.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on 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 XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Santander Consumer USA Holdings 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 is missing that should be on the report

Complaint:
I attached the correspondence I had with two car dealers, and XXXX. XXXX approved my loan for some {$12000.00} but when I refused to purchase a vehicle of their choosing, or dealer selection, XXXX of XXXX XXXX had my approval canceled. I argue the credit agencies refuse to post all of my loans, and instead post one negative item on my credit report. I believe this is a violation of The Fair Credit Act, Equal Opportunity in lending, and request you correct their violation of my civil rights. I believe XXXX XXXX XXXX. their internet department specifically XXXX Internet sales attempted to exploit me, and violated my civil right. I am requesting a Full Investigation. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: CONRAD CREDIT CORPORATION
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On my credit there is a charge for XXXX dated XX/XX/XXXX. The original creditor name is XXXX XXXX XXXX. 
The collection is Conrad credit corporation. I have in the passed reach out to them to assure them I have no knowledge of this transaction. As well as my XXXX XXXX XXXX so there is no way I can have an XXXX. I reached out again XX/XX/XXXX which they had reminded me of a statement I wrote and agreed they have notes stating this is a situation of identity theft. I told them that name is my sister which I do not have contact with and have no knowledge that she used my information. They assured me it will be taken care of they did have to contact the company again to verify this information. On XX/XX/XXXX I recieved a call back with a very aggressive tone stating I am on camera taking my sister to this clinic wish I do not deny. As well as she still very aggressive tells me this is fraud and will stay on my record and they are very upset and will be coming for me. As I recall I showed Id stating my name and d.o.b to be able to escort my sister out the building after procedure. I had no knowledge of her using my information where will this even make sense she going in with my name d.o.b so on and I show id with the same. This is not my fault she used my information or that the clinic did not pick this up. I should not have to suffer with this on my credit report for the negligence of XXXX XXXX or should I been threaten by a debt collector I am reaching out for for help. I feel violated and judge with out a jury or trust judge for this lady to insist that actions will be taken against me and this will stay on my record. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i am a victim of identity theft

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 2023-05-29
Company: EQUIFAX, 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:
In accordance with the fair credit reporting XXXX XXXX XXXX has violated my rights. 
15 usc 1681 section 602 A states I have a right to privacy.

Equifax as well has violated my rights as an consumer 15 usc 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account on a consumer report without the consumers consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: NJ
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:
All my accounts with XXXX XXXX XXXX XXXX XXXX were discharged in my XXXX XXXX XXXX XXXX XXXX they are reporting all accounts as a late payments. Lowered my credit score by XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
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:
I am a victim of identity theft, there are fraudulent accounts showing on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: AXOS FINANCIAL, INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I initiated a XX/XX/2021 withdrawal request in the amount of {$4400.00}. There were three transactions selling XXXX to support the withdrawal request in the amount of {$4400.00}. I followed up on XX/XX/2021 and was told the first request failed and to submit another request, so I initiated a second withdrawal request. I followed up on XX/XX/2021 and was told on XX/XX/2021 the second withdrawal request failed and that I should put in a third request, where customer support would forward my request to IT afterward. Counting today, it has been 13 business days since XX/XX/2021, which exceeds the 5-7 business days for the withdrawal of funds to take effect. I understand the cash is still in my XXXX XXXX account but I'm not understanding why this hasn't been transferred to my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022 I ordered product for a company web site. I was asked to transfer funds using XXXX on my US Bank saving account sum of {$280.00} dollars, When I asked the company for shipping information using email ( XXXX ) got no response from the company, Tried a few times to contact them via chat on their website and no response. 
Contacted the person that I sent the money too and she " said I do not have your money ''. 
Someone named " XXXX '' has it and she can not provide information. XXXX XXXX email XXXX. 
Her email is not valid anymore and the web site is shut down. 

Thank you for any thing you can do to recover any of the funds sent. The bank can do nothing. 

Best regards, 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