BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-30
Company: Experian Information Solutions Inc.
State: OR
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:
This account is being reported incorrectly as failed to pay when this account has been paid off in full. Per my agreement with the collection agency. The account should be deleted as such and should not be reporting inaccurately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
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:
My first dispute was sent on XX/XX/XXXX for identity fraud. I sent an FTC report along with a police report. They are refusing to remove 4 items from my credit report. They are XXXX  XXXX  XXXX XXXX. XXXX, XXXX, and XXXX XXXX XXXX  XXXX. I want these blocked from my report. I received results that these were verified so I called on XX/XX/XXXX to start another investigation. I just want these items blocked completely instead of them zeroing them out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Chrysler Capital I do not owe this alleged debt as it is being fraudulently reported to the credit bureaus which is a direct violation of federal law 15 U.S.C. 1692b ( 2 ) 804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; and 15 USC 1692e ( 1 ) ( 2ab ) 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: NC
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 XXXX  Accounts, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX. 
# XXXX, XXXX XXXX XXXX. 
# XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Has Violated my rights! 

15 U.S.C 1681 Section 602A 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 with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My information was leaked in the XXXX data breach and ever since someone has been using my information to open different accounts in my name. There is credit cards, medical bills, loans, a mobile phone, and even a bankruptcy. I filed an FTC identity theft report and it was so many accounts it didn't even let me input all the incorrect info and accounts. I filed a police report with XXXX XXXX Metro and disputed all incorrect info with all three credit bureaus more than once. They have not even removed one account and I should not be held liable for things that I didn't authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: EQUIFAX, INC.
State: AL
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 is still reporting to Equifax when I have the deletion letter that they have sent me on XX/XX/2018! I have faxed this deletion letter to Equifax showing proof but they told me XXXX XXXX was still reporting! If this does not get fixed I will be taking XXXX XXXX and Equifax to small claims for damages!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: CL Holdings LLC
State: AL
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 is still reporting to XXXX when I have the deletion letter that they have sent me on XX/XX/2018! I have faxed this deletion letter to XXXX  showing proof but they told me XXXX XXXX was still reporting! If this does not get fixed I will be taking XXXX XXXX and XXXX  to small claims for damages!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: MARINER FINANCE, LLC
State: VA
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:
I paid off a loan over four years ago with Mariner Finance. It recently showed up on my credit as a collection in XX/XX/2021. I contacted the company and they investigated and saw that I did in fact pay it off and said it wasn't processed correctly on their end and that they would take care of the matter. It is still showing on my report with a balance and a collections account negatively affecting me and am now unable to buy my house because of this. I would love to have this removed from a collections standpoint as this should have never been added to my report recently under a collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
BBB & T Mortgage is reporting a late payment in XX/XX/2019. I have no other late payments on any account. There is no pattern of any account being late. I have tried to correct this numerous times by mail, in person. by phone.BBB & T refuses to correct this. I have requested proof that the payment was 30 days late. No proof was provided. No late charges were placed on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: CITIBANK, N.A.
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 pulled my credit report in XX/XX/XXXX after getting several letters and phone calls from collections agencies that I owe money. I noticed several accounts that were in delinquent status. Upon further investigation I noticed that these were not accounts that I opened. I have suspicion that a family member used my information to open these accounts. When I reached out to this family member they admitted to opening the accounts and keeping the accounts current until they couldn't afford to. I did not give this person permission to open up any accounts using my information. I disputed the 3 ( Sears, XXXX and Best Buy ) accounts, 2 ( XXXX and Best Buy ) have been removed and 1 ( Sears ) remained. The account was opened in XXXX for a Sears credit card with a balance owed over {$3000.00}. Despite attempting to dispute this account the results have come back for the second time stating that it will remain on my account. I have completed the paperwork with Sear fraud department and provided them with a copy of the FTC report that I filed. I am waiting to hear from them regarding the results. This delinquent account is currently having a negative impact on my credit report and has significantly effected my credit score. I am now more vigilant with checking my credit report weekly. I signed up for credit monitoring and placed a fraud alert on my credit. I have reached out to the credit companies to report the accounts as fraud as well as all three credit buraus to dispute the accounts.

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 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hey I noticed a bunch of hard inquires on my credit report that is an accurate i have send over 2 pictures of them so you guys can see. I got a total of 8 hard pulls 4 from transunion and 4 from XXXX i have sent the you the pictures below they are all inaccurate. I would like them all removed from both companies listed above, XXXX and any other credit reporting service. If you have any questions please call me. I did apply for any of these things or deal with these companies. I just want to fix up my credit so it is accurate thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A collection account has reappeared on my credit report after previous being disputed and removed account has reappeared with another collection company name I have never had any contact, communication or contract with this company

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 2020-02-04
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Somebody got a hold of my paypal account and my phone. They made like 7 charges totaling 600-700 dollars. I reported to paypal that these were unauthorized charges. They told me they weren't. I'm affirming to them that they were unauthorized, but clearly they don't know. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have one account with XXXX which is in very good standing but for some reason they have me in death with a next account I contacted them over and over about that negative account and explain to them I only have one account with them and is good standing, I have no idea about this next account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This all starts out with Santander Consumer USA and their Class Action Settlement for Predatory Lending with Multiple States earlier this year, XXXX. Within this settlement, it states that Santander agreed to relieve loans and help repair the credit of individuals affected by their predatory lending practices. This was for auto loans placed between XX/XX/XXXX through XX/XX/XXXX. 

On XX/XX/XXXX the debt was sold to XXXX XXXX XXXX. In any normal situation, this wouldn't be a problem. But because of the terms of the Predatory Lending Settlement, this debt should have never been sold or transferred to any collection agency, or debt buyer. This is in direct violation of the terms of the settlement which is to " help repair the credit of individuals affected by their predatory lending practices. '' Now, I contacted XXXX XXXX XXXX by mail to dispute the collection and included a copy of the CFPB complaint against Santander, as well as, a copy of the Multi State Class Action Settlement against Santander and explained why they should cease all collection efforts and delete my file because this collection violates the terms of the Settlement. The letter was mailed XX/XX/XXXX. 

I also spoke with someone from XXXX XXXX XXXX over the phone a few days after the letter was mailed and informed them of the letter as well. Santander themselves also instructed XXXX XXXX XXXX to cease all collection efforts after they received my complaint from CFPB. 

I received a notification on XX/XX/XXXX that XXXX XXXX XXXX has reported a collection of {$12000.00} to the credit agencies!! 

Now, for me to dispute this collection and Santander instructing them to cease all collection efforts and activities, then to still within a couple of weeks report this account to the credit agencies is a total violation of everything I mentioned in this complaint. To ignore my dispute and Santander 's request is outright wrong!! Not to mention, this account should have never been sold to XXXX XXXX XXXX in the first place!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRUIST FINANCIAL CORPORATION
State: OH
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:
My social security number was ran without my consent resulting in inquiry on my credit report and file. This is a fraud inquiry and i want it removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to trade in my XXXX XXXX XXXX at XXXX XXXX in XXXX, NC for a XXXX XXXX XXXX. The next day after purchase they told me to come pick up my car because it was showing paid off so I dont have a balance and could keep the car. The representative showed me where it was no balance left on the loan. The company Regional Acceptance Corporation filed a loss on the vehicle before it was paid off and I was under the assumption that I was trading the car in for my XXXX. Now the car is showing up on my credit report. I was never sent a title for the car. Nobody has contacted me about the car and I have tried disputing the charge off off my credit report numerous times and the car has been hurting my credit report every since.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: SANFORD & ADAMS, Attorneys at Law PLLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX is trying to sue me and garnish my wages for debt that was created well over 3 years ago. In Mississippi, the statue of limitations state that after 3 years, they legally can not do that. They turned my sent over to a collection company called Sanford and Adams in XXXX Mississippi. They canning keep violating my rights and trying to take my hard earned wages. Something needs to be done. XXXX currently has a lawsuit against them relates to outrageous overdraft fees!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: EQUIFAX, 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:
Equifax and XXXX did not receive written documentation with my signature showing I entered into a contract with XXXX XXXX. I ask Equifax and XXXX to provide documentation of debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
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 had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2020-07-02
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I received am email alert from Cashapp Square cash that my account was locked due to unusual activity detected. When I tried to sign in i had to confirm my identity to have access and i got a message that the funds was not accessible for up to 48 hrs. After over sending over 10 emails to customer support no one has unlocked the account I can not gain access to my money I have no access to a live representative. Please help me retrieve my money from cashapp.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
Experian report number # XXXX dated XX/XX/2018 I have tried numerous time reaching Experian as they make it VERY VERY difficult to reach to start a dispute. They are WRONGFULLY reporting items that I have no knowledge of on my report, in addition when I finally get in touch with some, either online or on the phone, their system could not allow me to dispute.  Experian has had hurt my credit rating and negative affected my credit history and ability that jeopardized my family for their wrong doing. 

On that file, i NEED the following to be removed as they are wrongfully listed XXXXXXXX XXXX XXXX COR # XXXX XXXX XXXX XXXXt COR # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Thank you.

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 2020-08-21
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This is a deceptive practice complaint against Sallie Mae. They do not allow principal only payments. The payment allocation platform works against students by systematically reducing the payment amount owed if extra money is paid to reduce the principal. Some students may not be aware of this. The platform and the payment process must be modified to help student fairly pay back their loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation