BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-01
Company: I.C. System, Inc.
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: Account status incorrect

Complaint:
On XXXX XXXX, I C SYSTEM added a derogatory remark on my credit report per XXXX XXXX. Upon further research, this account was transferred and I am no longer reliable for this account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate a debt and anybody can send me a bill and say it's mine. According to the FCRA, I C SYSTEM has violated my rights as a consumer and I'm requesting legal action to remove this account 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 explanation
Consumer complaint received 2020-09-05
Company: Santander Consumer USA Holdings Inc.
State: MD
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 have a loan with SANTANDER CONSUMER/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX  with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
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 had my wallet stolen about a yr ago my I identity was then stolen as a result of that loss I had 2 unauthorised accounts opened with fifth third bank and a balan on one of them for over {$4000.00} i distuputed the accounts when i called the adress on file for the accounts was not mine i have never lived there nor did I open these accounts there has been a fraud a let on my credit for a yr and those accounts should have never been allowed to be opened in the first place .the bank said they had proof I made the charges when I was in the hospital at the time the charges were made I did not open these accounts with fifth third bank nor did I use it and I want thseese accounts closed and my credit reports to reflect this I did not create this debt and should not be responsible for it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Experian Information Solutions 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:
Experian is the only credit bureau that did not correct the problems in my account after I was a victim of identity fraud. I sent them a letter in XX/XX/2016 with the police report after someone tried to open over a dozen lines of credit in my name. As a result two of these fraudulent address were listed as my addresses and after over two years Experian has still not corrected it. When I saw recently that it was not removed I went through their web site and was given a number to call for dispute resolution. There was absolutely no way to speak to a person and the recording just disconnects if you don't select one of their paying services. I want these fraudulent address removed from my account. This company has set up their systems so that it is frustrating to correct things and they are hoping people will give up. Well I won't.

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 2019-08-14
Company: Experian Information Solutions Inc.
State: IN
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 a small business revolving charge/Credit Card account that was opened by my XXXX. Unfortunately, it is attached to my Social Security number, and is showing on my Experian, XXXX XXXX, and XXXX  reports. I have asked the issuing bank to assist, they tell me that I must reach out to the credit reporting bureaus. I filed complaints with both banks and was denied by Experian and XXXX. The business account is still on my personal credit report and is dragging down my personal credit score. XXXX XXXX removed the account without issue.

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 2020-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent out letters requesting an investigation and validation of debts on my report last month.

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 2020-09-01
Company: NAVY FEDERAL CREDIT UNION
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Experian Information Solutions Inc.
State: AZ
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:
Ex

perian continues to list outdated accounts on my credit report. Ive sent several letters as well as filed a previous complaint requesting the removal of the outdated account and the account remains on my credit report. The results of their most recent investigation also concluded the account was old and outdated, yet it remains on my report. See attached. In response to the most recent complaint, Experian stated According to our records, the disputed item does not appear on your personal credit report at this time. We are in the process of sending you a current copy of your Experian credit report for review. In reviewing the attached screenshot all will discover that is an outright  XXXX, as the account still remains on my report as of todays date XX/XX/2020. The " current copy '' of my credit report they stated they would send arrived but it did not belong to me it belonged to my XXXX. The same account is also listed on her credit report. Experians response indicates their systematic commitment to reporting inaccurate information to increase their profit margin.

Despite three written requests, the outdated items still remain on my credit report in violation of Federal Law. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2019-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
The following inquiries done by 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  were not authorized..I have never been contacted by this company either which leads me to believe that is all some sort of error. Please look into this matter for me and delete this information or provide me with documentation that proves this inquiry was authorized or delete it from my credit report

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 2020-05-17
Company: Ceannate
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Financial management is trying to collect on behalf of XXXX University. I did not attend school for the amount they are asking for I was an online student and already paid them XXXX  with students loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been trying to resolve two issues with SunTrust Bank for over seven months. They are unresponsive to my inquiries, letters, e-mails, phone calls, faxes, and voicemails left. Promises of responses when they do follow up go unfulfilled. In response to a previous complaint that I filed with the CFPB, I received a message on the day that I filed it from XXXX XXXX of SunTrust Executive Services advising me that my case was assigned to a Case Manager, XXXX XXXX. Her message assured me that Mr. XXXX would be in touch with me within 15 days. I left a voicemail for Mr. XXXX who did not return my call. After 15 days elapsed with no contact from or response by Mr. XXXX, I called and left a message for Ms. XXXX. Ms. XXXX did not return my call. When leaving voicemails for both Mr. XXXX and Ms. XXXX, neither of their voicemail greetings advised that they were out of the office and/or unavailable. Anything you can do to compel SunTrust to respond to and formally address my issues would be appreciated since, it has become blatantly obvious, that SunTrust has little-to-no intention of responding to and resolving these these issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 paid my XXXX XXXX XXXX XXXX XXXX card off on XXXX XXXX, 2017 and enclosed a letter stating to close the account. They cashed my check but did not report to Transunion and XXXX that the account was paid and closed. I filed a complaint with Transunion and XXXX. Transunion still shows that I have a balance, which is incorrect. I called Transunion and they said that XXXX did not report to them that the account was paid and closed. I called XXXX and they said they did report it. I WANT THIS ACCOUNT SHOWN AS PAID AND CLOSED ON MY CREDIT REPORTS. I HAVE BEEN WORKING ON THIS FOR TWO MONTHS AND NOTHING IS RESOLVED. I ALSO WANT THE {$7.00} THAT THEY OWE ME AND A PORTION OF THE YEARLY FEE OF {$89.00} THAT I PAID. THE ACCOUNT WAS OPEN LESS THAN 6 MONTHS, WHICH IS PROBABLY WHY THEY ARE NOT ACTING ON MY COMPLAINT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I went to the Capital one branch located by XXXX XXXX New York, to place an international wire transfer to pay for my wedding venue in XXXX the amount was {$2100.00} USD plus a {$40.00} Capital one I was told the receiving bank will charge $ XXXXUSD and the wire should be done in 24 hours I was never advised how much the beneficiary bank will receive in local currency, after 5 days I saw no funds were release from my account unable to get help over the phone I had to go to the branch and after multiple follow up finally on XX/XX/XXXX the funds were released however the money was never paid today is XX/XX/XXXX and the money is still not paid per Capital one the intermediary bank XXXX XXXX needs to find out where is the money and they seem unreachable on XX/XX/XXXX I was told that XXXX was involved and asking if the venue I 'm paying the money is affiliated with another company of similiar name which I already confirmed is not and still no answer where they money is going to be paid or at least refunded back to me, the answer I got when I requested the money to be paid back to me was it will delay the process and I needed to move forward because there was not guarantee I can get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: EQUIFAX, INC.
State: OH
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:
I FILED A DISPUTE WITH EQUIFAX ON XX/XX/XXXX AND XX/XX/XXXX the accounts are having a negative effect on my credit report. Equifax refuse to investigage these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING LLC
C/O RESURGENT XXXX XXXX XXXX XXXX XXXX, SC XXXX  PH: XXXX
Made up account # XXXX Creditor XXXX XXXX XXXX  amount XXXX
01 XXXX $XXXX they have put both of these accounts on reports I have disputed these account through the bureaus and no result. 
 
But the problem is , they didn’t provide the documentation that proves I owe them anything . Where is the contract between their company and me ? Where is the full accounting, because I can’t just take their word for it that, I owe some company I’ve never contracted with, some made up number. Where is their license and bond for the state of Florida ?

.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
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:
XXXX, Transunion, and XXXX  are reporting outdated and unverified information on my credit reports. Investigation did not show proof of any existing debt that actually belongs to 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 2020-09-01
Company: Medical Data Systems, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Paid Accounts are still appearing on the Credit Reports which should be removed or deleted. By showing on the Credit Reports it is reducing my credit score. 

XXXX XXXX XXXX  - Open XX/XX/XXXX for {$200.00} Paid XX/XX/XXXX XXXX XXXX XXXX   - Open XX/XX/XXXX for {$170.00} Paid XX/XX/XXXX XXXX XXXX XXXX  - Open XX/XX/XXXX for {$95.00} Paid XX/XX/XXXX XXXX XXXX XXXX - Open XX/XX/XXXX for {$110.00} Paid XX/XX/XXXX XXXX XXXX XXXX - Open XX/XX/XXXX for {$110.00} Paid XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
On or around XX/XX/XXXX my vehicle was stolen while I was out of town. Since then my insurance company ( XXXX ) and the GAP coverage company ( XXXX ) has paid the vehicle off. However, XXXX XXXX is still reporting {$8500.00} balance on my credit report with 90 days past due. I spoke with XXXX a XXXX XXXX representative XX/XX/XXXX in which she confirmed on a recorded phone call XXXX XXXX received : {$12000.00} from XXXX XX/XX/XXXX {$250.00} from XXXX XX/XX/XXXX {$7700.00} from XXXX XX/XX/XXXX The following payments are a total of {$20000.00} in which I mentioned is an overpayment according to the credit reports " highest balance '' amount. Then XXXX ( XXXXXXXX representative ) stated the payoff was actually {$20000.00} not the {$20000.00} reported on my credit file. So, I mentioned this is a difference of ( - {$56.00} ) ... not {$8500.00} which is the outstanding balance being reported as of XX/XX/XXXX. XXXX then began typing again and said " I see we received the payments. I'm not sure why it didn't update. '' After being put on hold she then came back and said there's a balance of {$530.00} on the account. I inquired " how were the payments applied? '' XXXX stated they were applied to the principal and I would need to speak with the Consumer Response Team to get a credit reference letter as this was " beyond my knowledge ''. Upon being transferred the call was disconnected. I have yet to be able to get a representative on the line again.

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 2021-04-26
Company: BMW Financial Services NA, LLC
State: MD
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:
I reached out to BMW financial services to correct issues around my trade-in of my other vehicle. It took BMW financial services four months to post the payoff I reached out on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. The problem is the account is reporting 19 payments late and those payments have been reporting for more than three years which does not support the term of the loan. At the time when I first noticed the inaccuracies I reached out immediately BMW made the adjustment and delete it from one credit Bureau agency however they have not cleared the matter from all the credit bureau agencies. I called BMW on several occasions and was told I could not speak to anyone regarding the credit department that I would need to write a letter I have written six letters and not heard back from anyone over the past 2 1/2 years. I went to refinance my car these issues came up again that BMW is reporting 19 payments late or 19 payments past due and I have never been been late on my vehicle beyond one month. I was under a program that extended my payments for three months and paid the {$80.00} fee which push three payments to the end of the loan however I pay those funds well in advance and I am above and months ahead on my car note. I would like for BMW financial services to correct my credit bureau immediately and adjust those late payments that they are reporting as they are hindering me from moving forward into purchasing a home and making larger purchases. I am trying to start a business and this has been causing me some significant problems. I have a security clearance that Im reporting and have this listed and its been listed for four years as an ongoing recurring dispute. I need BMW financial services to correct their errors or be penalized for false information and cause an eminent harm to an innocent creditor who has been paying her bills timely

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
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 is missing that should be on the report

Complaint:
My Equifax report is not based on reality. It shows almost nothing but one credit card with no balance. In reality I have 4 with a balance of about 2500.00 and a mortgage of XXXX. Which makes my score with them 100 points lower than the other companies XXXX  and XXXX. I called them and waited 30mins on hold to talk to someone who could barely speak English asking me questions about accounts I know nothing about.

Company response to consumer: Closed with explanation