BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-06
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good evening CFPB, Southwest Credit has sent me letters stating I owe them {$200.00} from an old XXXX account which has been closed back in XX/XX/XXXX. This company has been sending me letters stating I owe them money, I think they are trying to bully me out of this money by sending letters stating that they are following and regulations, but how is it I owe them anything? They are not even a utility company. Enclosed you will see a letter that they sent to me after I asked them to please delete this from my credit file. I also learned that even if you were to pay these debt collectors they still will not remove those negative items from your credit report. Please help me resolve this matter and get this item deleted from my credit report. Attached you will find the letter they sent me dated XX/XX/XXXX, and the letter stating that they can not delete this from my profile. 
Thank you for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: SANTANDER BANCORP
State: MI
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 ran into trouble with my mortgage back in XX/XX/XXXX due to a job loss and the bank agreed to take the home back which assumed would hurt my credit and prevent me from buying for a period of three years. I explained to the bank that I was leaving the home and they asked that I fax a letter which I did. They came and took pictures, filed out paperwork, and I vacated the property and moved to Michigan. In fact, the bank pad locked the doors and we didn't have access to the home as of XX/XX/XXXX. They are reporting late 's as of XXXX  of this year which is preventing me from getting a mortgage. I tried reasoning with them and they won't communicate with me. They claim I didn't fax the hardship letter but I have proof and I faxed them the information. I have a fax from XX/XX/XXXX that they are stating they didn't receive. I tried calling their attorney and they stated I had to talk with the bank. I tried to dispute it with the credit bureaus and they responded to state that I was late in XX/XX/XXXX. How could I be late on a mortgage for a home I didn't own? They are rude when I call and that's only when they actually answered. My rights are being violated and they could easily fix their error but they refuse. They are stating that they couldn't reach me which is probably true because I left. However they should've know that because they padlocked the doors. Please help, thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: EQUIFAX, INC.
State: DC
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 am a victim of identity theft and did not open these accounts. Per The FCRA, accounts which are not demonstrated in clarity to be true, correct, complete and timely must be removed from a credit report.. Since credit bureaus failed to properly investigate and send me evidence of the said responsibility, I demand an immediate removal on the following accounts : XXXX XXXX, XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My credit card was compromised while on vacation in XXXX and resulted in {$2800.00} in fraud charges, despite being on an XXXX XXXX flight one hour before these charges occurred the fraud department deemed these charges are authorized. It was impossible for me to authorize these charges on the ground in XXXX while sitting in an aircraft XXXX feet in the air. I've presented flight information and can also provide cellphone GPS to prove that I was not present at the time or location of these charges. Additionally, after bringing these charges to the attention of XXXX XXXX Department my card was deactivated but was again used in XXXX on XXXX while I was on an XXXX Train from XXXX NY to XXXX XXXX NY. 

During these transactions in XXXX, the card was in my wallet and was not used by me nor was it authorized by me to be used by anyone else.

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 2022-03-29
Company: Experian Information Solutions Inc.
State: KY
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:
In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : Chapter XXXX Bankruptcy / XXXX / {$0.00}

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 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is a XXXX  account reporting on my TransUnion and XXXX   consumer reports that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with XXXX, TransUnion, and XXXX  and they have failed to remove it from my credit reports.

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 2021-04-30
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have been using Gemini for years with no issue. Then out of no where I went to make a withdrawal and they froze my account. They have yet to respond to any of my emails/support tickets with my money frozen in there. This is ridiculous please help. 

This is a list of my support tickets. None of them have a response. 

XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
It is believed that Capital one has opened an account for someone with a a similar name or possibly one without my consent. This company reported an address to my credit profile in XXXX, NY ( XXXX XXXX ) I have NEVER lived in NEW YORK! Also, I will need this company to delete any negative credit reporting information ( if any ) and delete this unknown address from my credit profile as this could be used to open credit under my name without my knowledge. I will also need capital one to furnish me with proof that it has deleted the address and any reporting information. If capital one can not comply, I will be forced to escalate this up to the full extent permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capital One has refused to delete this fraudulent account from my credit report. They are in breach of contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: SOUTHSTATE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to co-sign for my daughter, XXXX XXXX, for a refinancing her house loan, not a loan for myself. As part of that application process, I provided extensive personal confidential financial records ( PCFR ) to the mortgage bank. The application was almost complete, the bank asked for a document ( divorce decree from 1980 XXXX which I do not have, thus could not provide to the bank and the bank would not complete my application. I then told the bank to cancel/withdraw my application, since it could not go forward to completion. I also asked the bank to delete all of my PCFR I sent to it, since the application was withdrawn, they would be providing no services to me and I did not want their bank retaining any of my PCFR. The bank refused to honor my request, citing Section 1002.12 para 12 ( b ) ( 3 ), Withdrawn Application. I provided my PCFR in good faith. The bank is not acting in good faith in not honoring my request to delete my PCFR, i.e., the bank will not proceed with my application for an issue which is out of my control ( I can not provide a 40+ year old document I do not have ) ; the bank, thus, has not and will not provide any service to me and it will not be providing me with any funds. There is no reason why the bank should be allowed to retain my PCFR in its database. With all the hacking and violation of cyber security occurring to many businesses currently, it places my PCFR at unnecessary risk and I want them deleted from the bank 's database. That's all I am asking for. To get this done, you can contact XXXX XXXX, Account XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX, GA XXXX ; email : XXXX, tel. no. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
PayPal fraudulently opened a line of credit in my name without my authorization. While I have purchased item via PayPal I always select to do so through my debit card. I was contacted by PayPal that I owed an outstanding debt at which I learned this line of credit was opened. I have since paid the amount and closed the account. However now my credit will be affected due to closing the fraudulent line of credit opened by this company. I was told the line of credit was opened due to simply purchasing a product from XXXX. This is illegal! I never authorized this line of credit, furthermore never once even given my SSN, digital signature or anything to do so. I also will be contacting my states federal prosecutor and local attorney to further the legal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Experian Information Solutions 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:
Experian is not providing proof of reported debt for collection account. I have written and sent certified mail 3x to ask for proof of debt in amount of {$480.00}. 

They are erroneously reporting XXXX XXXX collecting {$480.00}

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 2018-06-12
Company: Santander Consumer USA Holdings 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: Account information incorrect

Complaint:
I had a collection balance on a XXXX XXXX loan for {$9200.00}. XXXX agreed to settle my remaining balance for one payment of {$2000.00}. I am attaching a copy of the settlement arrangement to this complaint. I paid the {$2000.00}. I am also attaching a copy of the XXXX XXXX money transfer. Despite paying the settlement arrangement, as agreed, XXXX XXXX  refuses to update my credit report appropriately. Its been nearly 4 months since the settlement arrangement was made and funded, and they are still reporting to XXXX, XXXX, and XXXX XXXX that I owe them {$9900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original  creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The accounts listed are not mine, nor is my addresses, names. The companies listed also were not authorized to run my credit. Please remove them immediately as this is a second request.

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 2021-08-22
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Several months ago I made a purchase using my Apple credit card from XXXX for 2 10tb hard drives. XXXX  send 2 cheap hard drive cases instead of hard drives. I initiated a complaint and request for a refund from XXXX and when they were unresponsive, I placed the charge for {$110.00} in dispute with Goldman Sachs the issuer of the Apple credit card. 

1 week ago they sent a request for more information via email and provided a 7 day deadline to send more information. I had not seen the email request and today they denied the chargeback for the fraudulent charge. 

XXXX has the known reputation for sending inferior merchandise and in this case, they didnt even bother to send merely inferior merchandise, they sent some entirely different than the described product. This is the situation that anyone would expect the credit card company to protect their customer. 

I have included pictures of the listed item vs. what I was sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-23
Company: FIRST MIDWEST BANCORP, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX and this company name, according to XXXX is " XXXX XXXX/XXXX '' both are reporting a negative account on my credit report as result of identity theft. I don't have any contractual relationship with " XXXX XXXX/XXXX '', that makes XXXX and " XXXX XXXX/XXXX '' entitled to enforce inaccurate credit information on my credit file. I tried resolving the issue recently again with XXXX on XX/XX/18, and directly through " XXXX XXXX/XXXX '' but has not had any resolution.

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 2022-03-29
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX has failed to assure me 100 percent possible maximum accuracy when it comes to my consumer report. They are still violating my rights after the third attempt trying to fix this issue. They are still hosting two tradelines on my consumer report that I have filled an FTC complaint about and a police report and they still have not removed the account from my consumer report. I even have someone on the phone stating that they only can remove an account if the furnisher tells them to. Which I stated that's not how the law works. It is the duty of the furnisher to report accurate information but it is also the consumer reporting agency 's job to assure you 100 percent possible maximum accuracy when it comes to the things on your consumer report. I will attach the FTC report the dispute letter and the police report that I sent to them and a screenshot that these accounts are still on my consumer report. XXXX is willfully being non-compliant pursuant to Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) for not blocking information [ 15 U.S.C. 1681c-2 ] ( a ).

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 2018-06-06
Company: EQUIFAX, 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:
Equifax and XXXX have failed to report my XXXX XXXX credit card account which reflects positive payment history and could help raise my credit score and lower my credit card utilization. The account number for the XXXX XXXX XXXX credit card is XXXX. The account was previously reporting at both bureaus but it was deleted in error and never corrected. I have called each credit bureau several times to reconcile the situation but they continue to blame XXXX XXXX for lack of reporting. However, XXXX XXXX XXXX sent me documentation in the mail on 2 separate occasions proving that they have been reporting accurate information to all 3 credit bureaus. The XXXX XXXX credit card referenced above is accurately being reporting on my XXXX credit report yet these two bureaus refuse to correct their mistake. I demand that the bureaus be required to report accurate information as stated by the Fair Credit Reporting Act or I will be forced to seek legal action immediately for the damages incurred and for being unfairly denied credit due to their negligence!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For a long time I was pushed into applying for a forbearance by Navient. It was only a few years ago that I was told about an income driven repayment plan. I was told to make 3 payments and it would make me eligible for low monthly payments. I made those 3 payments and only then was I told about income based repayment. I've been on that program for a few years now and although my payments have been {$0.00} I've noticed recently on my credit report that my balance on these 3 federal student loans varies by thousands each month. My balance will go up from {$1000.00} to over {$5000.00} and then will go back down. I have only recently started monitoring my credit report so I'm not sure how long this has been going on. Its devastating my credit score and making me wonder what is really going on and am I being used for fraud or something else illegal. I took these loans out almost 10 years ago and have had no help until a few years ago with a payment plan to pay them off. I've accrued so much interest the loan amount has almost doubled and that's ridiculous for a diploma that I cant even use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: MD
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 sent my letters off XXXX and XXXX of XXXX  telling credit bureaus to investigate every piece of my information on the accounts listed below. 

According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate and according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies .... 

Accounts : 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