BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-09
Company: Santander Consumer USA Holdings Inc.
State: NY
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:
After struggling and getting sick not only has Santander used this to knock me down more than I already was they sabotaged my credit even knowing what I was goingheough each time they reported my credit dropped chunks of amount of points. Were speaking of 20 points or more. Thats now behind. However I was finally able to get out under a bogus loan and lies that they dealiership sold me and all they can say is Im sorry I managed to get rid of a car that I was consistently paying repair for and got something that is reliable. I trade in the car and had the loan paid off in the month of XXXX. My XXXX still shows balance on the loan and marked late but also as per representative I spoke with todays date its marked XXXX balance for the month of XXXX and reported late. This dropped my score by 20 points yet again. Finally I was able to leave this untrustworthy and dishonest company and even just to do the right thing even after I got rid of them they just had to assure they leave yet wnoth r negative mark on my credit. Its been very hard for me Im sick single mom working my behind off I just need help because fighting them doesnt help. Nor is XXXX willing to help with getting my score back. Please help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found two late payments being reported. As a XXXX XXXX with XXXX XXXX XXXX, I was relocated by the company to the XXXX XXXX XXXX XXXX for one year. As part of this agreement the company purchased two cars on my behalf but the company assumed full responsibility for making payments on the associated car loans through TDAF. For insurance purposes, I was required to take the car loan out in my name. However, the company paid the bill each month as part of my compensation and they took full responsibility for these payments being made on time. 
when the loan was first set up in XXXX, XXXX XXXX XXXX set up auto pay but due to an error the account was not debited in XX/XX/XXXX. Then after all that we successfully set up auto pay and everything worked smoothly until XX/XX/XXXX when the car was sold and the payoff was received by TDAF, Unbeknownst to XXXX, TDAF noted a small balance on the account due to an administrative fee and never notified us until there was subsequent bill that came in the mail after the fact. We were shocked yet again to see that another late payment was reported for XX/XX/XXXX. 
As you can see, I have a perfect credit history except for these two items on this same tradeline. I am very upset with TDAF, I have highly disputed these two late payments. Its causing me and my family extreme stress, due to the fact that credit is so important and effects every aspect of my life. TD AUTO FINANCE ACCT. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I called all 3 of my credit reports Experian, XXXX, and XXXX. I never lived at XXXX XXXX XXXX XXXX whatever the full address did not appear XXXX XXXX TX XXXX. The second address is XXXX XXXX XXXX NJ XXXX address was not complete. The third address is XXXX XXXX XXXX, Tx XXXX. I was a victim of credit fraud the person had access to my email which I no longer use.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
HRRG calls repeatedly, several times an hour, but spoof their calls. Calls look like they're being placed by XXXX XXXX, XXXX, XXXX, XXXX, XXXX, etc ... .. 
If you want me to pick up the phone, you may want to be honest about where your calling from.

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 2020-09-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$4000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Filed several dispute against inaccurate collections data on my Transunion credit report they refuse to remove the inaccurate information and acknowledge the documentation.

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 2021-08-17
Company: EQUIFAX, 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/2021 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: SYNCHRONY FINANCIAL
State: IL
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 check my credit score on XXXX XXXX and realized it dropped 20 points. When I went to figure out why I realized someone opened a credit card in my name and maxed it out with a balance of {$1000.00}. I called the credit card company, Synchrony, and filed a fraud claim and had the account closed immediately.

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 2018-10-16
Company: EQUIFAX, 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 information incorrect

Complaint:
This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file. On a few separate occasions I have disputed with all three credit bureaus Equifax, XXXX, and XXXX  pertaining to a credit card with XXXX, Account # XXXX for the date of last activity, payment history, status and the dispute was returned verified. After some further investigation on my part, I am also concerned that this account and the reporting to Equifax, XXXX and XXXX  are inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/2009 ), this Notice includes : Identification of the specific information being disputed XXXX, XXXX  and Equifax reporting for Account Number : XXXX Basis for the dispute : The monthly payment, open date, high credit, last reported date, date last active, date of last payment and payment history are different and inconsistent between the three credit bureaus.

Supporting documentation : I have included the excerpts of my credit reports showing how this accounts is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Me have contacted the credit people for the inquiry on me credit report. The inquires are *XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* Me no give permission for these company to get my inoformation.

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 2020-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with rewards from credit card

Complaint:
My Capital One Visa Platinum Card was closed in XXXX of 2018 without any notice. I was told it was as a result of return payments on the account. Throughout the course of my tenure with capital one, I accrued reward cash offers and had no issues redeeming them for statement credit or gift cards. I currently have a balance of XXXX and was told that I would not be able to redeem them due to my account closure. As previously mentioned, my account was closed with no warning. I did not receive an email or letter stating why it was closed or that it was closing. I did not find out until I tried to use my card and it was declined. I have contacted capital one about receiving my rewards credits as either a statement credit or redeeming it for a gift card and they are refusing to honor my rewards because the account is closed. I was never given an opportunity to redeem said awards before account closure because I was never even told my account was being closed. I am confused as to how I can redeem awards before the account is closed if I am not notified the account is being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. My personal information was compromised and fraudulent accounts were opened without my consent or authorization. 
As a result, I sent this company my dispute letter on XX/XX/XXXX explaining my case. I even attached Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act. 
But to my surprise, this company up to now failed miserably to investigate my claims and is still reporting this fraudulent accounts. For yet another last time, the following accounts are as a result of fraud : XXXX  XXXX/XXXX, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX  XXXX/XXXX, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX/XXXX, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1600.00} XXXX  XXXX XXXX, ACC XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$8500.00} XXXX XXXX XXXX  XXXX, ACC XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$620.00} This letter is a written proof of my intent to find a resolution for this case failure to which I will file a lawsuit against this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid my monthly due amount to JC Penney, inside the store in XX/XX/2018. They advised me in XXXX that they did not receive my payment. I sent them a copy of my cancelled check which showed that they did receive the payment. The letter was sent on XX/XX/2018 to the headquarter office of JC Penney, customer service and headquarters of Synchrony Bank. The information was to the address on the statement. I received my statement today, which showed another late fee and a larger payment due. I called Synchrony Bank and they said that they never received my letter. I am suspicious that all 3 did not receive my letter as I have not heard from any of them. My letter is below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: PA
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 name is XXXX XXXX XXXX, and I am writing this statement on my own behalf in regard to the information on my credit files. Fraudulent applications were submitted under my name or my identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries on listed in this report and on my credit file. I reported the theft to the Federal Trade Commission, and I have also enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XX/XX/XXXX after struggling to make payments because my interest rates are over 9 % and 11 %. Finally at this time after reviewing financial information they were able to grant me interest rate reduction ( 6 months at 6.5 % ) to help pay my loan. For the first loan it lowered my monthly payment to XXXX and the other XXXX. In XX/XX/XXXX I checked my account online and realized that even though my payments were automatically debited at the lesser amount, the interest rate wasn't reduced. I called customer service and they explained that a disaster forbearance was placed on my account ( never explained why ). Finally they made the interest the proper 6.5 %. 

Then I realized that the proportion of my loan was being paid just to interest and nothing to principle. Therefore, they were taking less amount each month but never attributing anything to interest. The documentation will be uploaded of this. They corrected the month of XXXX for each of these loans. 

I called customer service over 5 times during XX/XX/XXXX and XX/XX/XXXX and explained that corrections needed for XX/XX/XXXX payment and XX/XX/XXXX payment. I speak with the supervisors. They promise they will call back and never return my calls. 

My issue is they are incorrectly allocating my payments to not all me to pay principle down. Even after multiple attempts to fix and rectify this they have not for those two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
* Please take these things off of my credit report. 


XXXX Account Name XXXX Account Number XXXX Account Type Credit Card Account Status Terms Payment Status Paid or paying as agreed Date Open XX/XX/XXXX Monthly Payment {$44.00} Past Due {$0.00} Balance {$1200.00} High Balance {$1200.00} Limit {$1500.00} Comment This company has not documented payment for the past 2 months. 


This company has past due balances for things that were place on the bankruptcy or pay it off. 
XXXX XXXX XXXX  LAST PAYMENT DATE : Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Agency/Attorney Account Status Open Account Original Creditor XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Close Open XX/XX/XXXX Last Payment Amount {$0.00} Past Due Amount {$0.00} Original Balance {$370.00} Current Balance {$0.00} Comment Chapter XXXX XXXX XXXX XXXX  XXXX XXXX DATE : XX/XX/XXXX Account Name XXXX XXXX XXXX  Account XXXX XXXX Account Type Collection Agency/Attorney Account Status Open Account Original Creditor XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Close Open XX/XX/XXXX Last Payment Amount {$0.00} Past Due Amount {$0.00} Original Balance {$60.00} Current Balance {$0.00} Comment Paid collection XXXX XXXX XXXX   LAST PAYMENT DATE XXXX Account Name XXXX XXXX XXXX  Account XXXX XXXX Account Type Collection Agency/Attorney Account Status Open Account Original Creditor XXXX XXXX XXXX Open Date XX/XX/XXXX Close Open XX/XX/XXXX Last Payment Amount {$0.00} Past Due Amount {$0.00} Original Balance {$95.00} Current Balance {$0.00} Comment Chapter XXXX bankruptcy XXXX XXXX XXXX  LAST PAYMENT DATE XXXX Account NamXXXX XXXX XXXX XXXX  Account Number XXXX Account Type Collection Agency/Attorney Account Status Open Account Original Creditor XXXX XXXX  Open Date XX/XX/XXXX Close Open XX/XX/XXXX Last Payment Amount {$0.00} Past Due Amount {$0.00} Original Balance {$190.00} Current Balance {$0.00} Comment Chapter XXXX bankruptcy XXXX XXXX XXXX  LAST PAYMENT DATE : Account Name XXXX XXXX XXXX  Account Number XXXX Account Type Collection Agency/Attorney Account Status Open Account Original Creditor XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Close Open XX/XX/XXXX Last Payment Amount {$0.00} Past Due Amount {$0.00} Original Balance {$230.00} Current Balance {$0.00} Comment Chapter XXXX bankruptcy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: SYNCHRONY FINANCIAL
State: CT
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:
Hello- There are 2 hard inquiry on my account, which i didn't authorized nor did i apply for anything. Please investigate and take these off. 

1ST inquiry is from Syncb, Inquiry from XX/XX/2019 XXXX XXXX XXXX 2nd inquiry from XX/XX/2019 XXXX XXXX My name is XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX, CT XXXX Phone # XXXX My email is XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I notified Amerihome that I have paid my homeowners Ins renewal for the year. Amerihome notified me that the loan type requires my homeowners insurance be paid thru escrow and that they would return a check to me in the amount of {$980.00} for the annual payment that I made since they would be paying the renewal.

Over 7 calls, speaking with supervisors at Amerihome, only to be told a different answer each time when following up with the check. Supervisors have said it would be mailed out in 3 days, it would be overnighted, to no check was going to be issued. A supervisor is always scheduled to call and follow up per the request in 24 hours. I have not received 1 phone call. This is my first 2 months with this lending company and it has already been off to a horrible start. It is impossible to get any resolution. I am beyond frustrated after 7 attempts and no follow up from Amerihome as they said they would.

Company response to consumer: Closed with explanation