BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-27
Company: Santander Consumer USA Holdings Inc.
State: NC
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: Problem with product or service terms changing

Complaint:
I have tried to resolve this problem with Santander/Chrysler Capital-as this account was to be deleted from my credit report due to the nature and the tactics of how they unlawfully repossessed the vehicle and due to the nature of the lawsuit that the company has been pursued against the company. I have contacted the company and the attorney general and the company even produced the paper work with the incorrect information to the attorney general. Inaccuracies are continuously being reported to the credit bureaus and the company keeps verifying and updating incorrect information. In the State of NC you are supposed to receive a notice of right to cure Santander/Chrysler Capital intentionally put the incorrect address on the letter, on the explanation of calculation of surplus or deficiency they only sent it to the co-borrower and not to the buyer/borrower. They are they are listing several different account numbers for my account, on my credit reports the account numbers are ending with XXXX on the statement sent to the attorney generals office the account number is ending with XXXX, I am confused with this account. 

Page 4-Explanation of Calculation of Surplus or Deficiency- was only mailed to Mr. XXXX XXXX which is the Co-Borrower ( XXXX XXXX did not receive a copy of this form ) Page 7- Notice of Right to Cure-Mandatory Form- Santander/Chrysler Capital-intentionally listed XXXX XXXX 's address as the same as XXXX XXXX 's address when this has never been XXXX XXXX 's known address. or has never been an address they had for XXXX XXXX on file, as you can see on page XXXX, they listed XXXX XXXX 's address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, her known address on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions 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 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 2023-01-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. BLOCK AND REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. BLOCK AND REMOVE IT.

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 2019-10-14
Company: Medical Data Systems, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received collections letter from MEDICAL REVENUE SVC regarding alleged debt, asked for verification / substantion of debt, no verification of debt provided.

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 2022-10-07
Company: MOHELA
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I started working for XXXX XXXX in XX/XX/XXXX. I tried to submit XXXX paperwork in XXXX to get my payment counts started, but learned my loans were not the correct type and a consolidation was necessary. This was completed in XX/XX/XXXX when my ffel loans were consolidated into direct loans. Fast-forward to XX/XX/XXXX and the temporary inclusion of ffel payments XXXX. I waited until XXXX XXXX ( apologies, I don't have the exact date written down ) before I called my servicer at the time, XXXX, to inquire why my account hadn't been closed out under the new terms. I was told that the department of Ed had not sent them payment information on prior loans so they couldn't do anything. I nosed around online and found payment information on my ffel loans and included screenshots ( not the best documentation, I know ) along with a fresh pslf form, hoping that would prod them into reviewing the account when it came up for review. This form was never processed and my account was transferred to MOHELA in XXXX ( at least XXXX additional calls had been made to FedLoan seeking status of the DOE XXXX, which I'm told was received, but there was no way to give me an estimate on when my specific data would be reviewed ). We are now 12 months later with an account that has had ZERO action by the servicers, that has a documented qualifying period between XX/XX/XXXX and XX/XX/XXXX. Given the existing qualifying range, this balance should be forgiven without any further paperwork required. I have included screenshots of my XXXX payments made on the ffel loans ( serviced by XXXX ) XXXX as well as screenshots from MOHELA records XXXX the beginning and end of the qualifying payments already recorded. All calls with MOHELA have had wait times in excess of 2 hours with no progress or concrete information available. 
I am not, and have not asked for much -- just a confirmation my ffel payments are on record and that the loan is scheduled for forgiveness before we enter another tax year. It blows my mind hearing people that had to consolidate their loans and submit pslf forms for the first time being forgiven and I can't get an account simply reviewed and forgiven off historical records. 
Any assistance in getting this done in XXXX would be much appreciated!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 have numerous credit inquiries on my credit report that do not belong to me. I have filed a police report and filed an identity theft affidavit about this matter. Please help me.

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 2023-04-12
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Between the dates of XXXX XXXX XXXX I have called equifax literally a dozen times to fox the issue why my credit report is unable yo be pulled or why I am unable to access my free credit report and they have each and every time given me the run around as to why I am unable to access it. I am in the process of buying a home and this is ridiculous. It takes 10 minutes to get through all the automated messages and then the phone call is outsourced to someone with XXXX  English that doesn't have a clue as to what is going on with my account. I am lite trying to access my credit report and purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Abra
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I created an account with Abra ( Plutus Financial ) on XX/XX/XXXX in order to store my cryptocurrency assets ( XXXXXXXX XXXX XXXX XXXXXXXX ). Upon account creation, I was not yet deemed a verified user until I provided identification as part of their KYC ( Know Your Customer ) program. One of the advantages of being a verified user is that I can not only store but also earn interest on my XXXX  assets. Thus, I provided a valid passport, passed their KYC check, and became a verified user. 

I was satisfied with the company 's services up until XX/XX/XXXX. This was when I tried to open my Abra account but a message displayed indicating that it was not accessible due to " compliance reasons '' ( see XXXX attachment ). Initially, I thought that this was due to the either the app not being updated or possibly due to the aforementioned KYC requirements. I re-installed the Abra app to ensure that it was updated. I also double checked my past correspondence with them to ensure that I had provided my passport as identification for KYC checking and that I was a verified user ( see XXXX attachment ). 

After ruling these factors out, I tried to contact their support team through the following emails : XXXX XXXX XXXX XXXX XXXX  I have been forwarding my concerns to these emails for around 2 weeks and I have still not received any response from the company. 

While browsing the web for possible solutions to my problem, I have learned that the company had gone insolvent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I realized that this was why the company was not addressing any of my concerns. As of now, my account is still inaccessible and I am unsure of the state of my assets.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
This complaint is not being filed by a 3rd party and is not a duplicate complaint. 

In Accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX 4. Account XXXX : XXXX Account # XXXX 5. Account Name : XXXX Account # XXXX 6. Account Name : XXXX Account # XXXX 7. Account Name : XXXX XXXX Account # XXXX 8. Account Name : XXXX XXXX Account # XXXX 9. Account Name : XXXX XXXX  XXXX Account # XXXX 10. Account Name : XXXX XXXX Account # XXXX 11. Account Name : XXXX XXXX  XXXX Account # XXXX 12. Account Name : XXXX XXXX Account # XXXX 13. Account Name : XXXX XXXX  XXXX Account # XXXX 14. Account Name : XXXX XXXX Account # XXXX 14. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX 15. Account Name : XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX 16. Account Name : XXXX XXXX Account # XXXX 17. Account Name : XXXX XXXX Account # XXXX 18. Account Name : XXXX XXXX Account # XXXX 19. Account Name : XXXX Account # XXXX 20. Account Name : XXXX Account # XXXX 21. Account Name : XXXX Account # XXXX 22. Account Name : XXXX XXXX Account # XXXX 23. Account Name : XXXX XXXX Account # XXXX 24 Account Name : XXXX ACCEPTANCE Account # XXXX 25. Account Name : XXXX XXXX Account # XXXX 26. Account Name : XXXX XXXX Account # XXXX 27. Account Name : XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XX/XX/25

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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2017-10-06
Company: SECURITY FINANCE CORP
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX I owe over all payday loans I got left with after divorce. Some of the company 's said they were going to garnish my wages are I would be sued.

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 2023-08-31
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern, Credit Acceptance Corportation, who controls my car loan, has reported missing payments after a repossession in XXXX of XXXX. I have a payment arrangement made with said company after the repossession fees were paid off. All of the payments per the payment arrangement have been made on time or early since XXXX of XXXX of XXXX. 

On my credit report Credit Acceptance Corportation has reported no payments have been made towards this loan since XXXX of XXXX, which is incorrect as payments have been made on time or early since XX/XX/XXXX. 

I have contacted said company and disputed this on my credit report multiple times, with no resolution offered. This is defamation of my character and credit worthiness, and I would like this resolved so XXXX XXXX, XXXX, and other credit reporting agencies can correct this information and update my account so I can purchase a home.

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 2023-04-12
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act The following 5 Consumers Listed below Have Violated my Rights under the following laws listed below 15 U.S.C 1681 section 602 A. States I Have A Right To Privacy.

15 U.S.C 1681 Section 604 A Section 2 It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions 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 XXXXXXXX

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 2023-03-15
Company: Experian Information Solutions Inc.
State: CO
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:
In accordance with the Fair Credit Reporting this account has violated my rights.

15 U.S.C 1681 section 602 A. States that I hae a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: VA
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:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: WorldRemit Corp.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
XXXX XXXX I sent {$200.00} to XXXX via bank deposit. The money transfer company sent confirmation and a receipt stating that the money was deposited into the recipient bank account. The recipient NEVER received the money.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: JPMORGAN CHASE & CO.
State: IA
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:
I have been sick the last 3.5 years in which I have not been able to XXXX XXXX XXXX a majority of the time. I have been charged and then rebilled for charges which I did not approve. So, I contacted the company right away to dispute the charges, told them about my health issues, contacted Amazon and closed my account, stop payment to all companies, and locked my card as well as sent for a replacement card. 

They are claiming I am liable for these charges even though there is a liability clause that says I will not be charged for fraudulent charges. I still have the card locked, asked that all authorized users be removed, and that my name be removed from any ones account because I have never been a co-signer for anything. 

Please tell me what I can do. I do not want this happening to other people. I am concerned it is my mother who has my social security number which I never authorized her to use for any reason or my sister who has a history of taking out cards and stealing from members of the family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions 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:
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 items : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2021

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