BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-19
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am federally protected consumer and Santander has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021. I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original debt was sold by Santander to XXXX XXXX. After a settlement was reached with XXXX all tradelines and any account associated with XXXX was supposed to be removed from all of my reports. XXXX was removed and Santander failed to remove their name from my reports and is reporting false information to all three credit agencies. I have disputed this issue on several different occasions starting on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: EQUIFAX, INC.
State: MD
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 several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX appears on my reports and I have requested these fraudulent accounts be removed from my reports as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

1. XXXX - balance is showing as {$1700.00}, account partially listed and a limit of {$4000.00} ; no account number listed ; no dates not listed,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i've already made a complaint and the bank called me but when i try to call back i can't go through this needs to be resolved before XX/XX/XXXX when they take the temporary credit back for fraud. I got a notice unable to pay for my 2 claims XXXX total which the credit should be permanent as my debit card was unauthorized used and stolen.

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 2020-09-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are several issues with Equifax. First and foremost, they refuse to remove something because they claimed that they " investigated '' it. When they failed to remove it from my credit bureau, I called them to offer clear and irrefutable proof that the collection was an error made by XXXX XXXX XXXX. A Sr. Executive from the office of the president of XXXX XXXX XXXX wrote a detailed letter so that I could possibly get faster results by disputing this matter with the credit repositories directly. On Thursday, XX/XX/2020 I spoke directly with an agent on the phone. When I explained that I did not like the results of their investigation, I offered the letter to support why her " investigation '' was incorrect. She said she was not interested in the letter from XXXX XXXX XXXX and that their determination stands. XXXX and XXXX both removed this from my credit file within hours of having that. Equifax, in refusing to remove or even look at my documentation corroborating the error caused me to get a loan declined for refinancing my vehicle. The loss of funding for that loan forced me to take a much higher rate at another institution. One that pulled a different bureau. In the meantime, the same error has been made with XXXX. I have submitted documentation to Equifax that shows my account was credited and that it has already been removed from my XXXX   credit file. It was not " paid in full '', it was a credit with an apology on a " crediting error '' and have that in writing from the XXXX rep to support this as well. Leaving this on my file at only one repository, Equifax, is ridiculous. 

Additionally, I have provided my driver 's license 3 times so that they could get my name and address correct. This has yet to be corrected. I have NO suffix. Being that my father and I share a middle and last name, they have apparently commingled our names/addresses along with my father 's suffix of Jr. Is my father 's credit being compromised by this? One could almost construe this as identity theft ... removing my actual name makes things look suspicious with lenders. 

If Equifax is not capable of fixing things in a timely manner, how can they be charged with the handling of personal information that is imperative to consumers to do business? They already have issues with keeping our information secure, why are they still allowed to be in business?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: EQUIFAX, INC.
State: MO
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:
There is an old XXXX account showing on my credit report incorrectly. The account is XXXX opened on XX/XX/XXXX. Currently the account shows as a recent missed payment or recent charge off on my report. That is not accurate. I have verified with XXXX XXXX the correct dates for this account as being closed on XX/XX/XXXX and paid and closed on XX/XX/XXXX. There has been no activity on this account since. However, Equifax is reporting that the charge off date on this account is XXXX of XXXX. This is not accurate. Any or information at all regarding this account post XXXX of XXXX is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am writing to express my dissatisfaction with PayPal & PayPal Credit over four unique dispute cases & processes. Amid COVID 19, the  companies support and return/refund policies has been nothing short of unfair to consumers.. I would argue the online support with PayPal has been subpar for the industry, it being deceptive as it's 1. Hard to find the tool in order to dispute a charge and the rules, feel very unbalanced. Merchants have 30-60 days to reply, yet consumers have 3 days to comply or it will be denied. ave spent hours on the phone and in communication with PayPal in an attempt to resolve multiple issues. 

XXXX This item has been clearly documented as returned and refunded by the seller. I have spent numerous hours between PayPal and PayPal Credit to resolve. I have since been recharged and refunded several times, yet, still am owed a credit of XXXX. I am filing a claim with the CFPB if this is not resolved by the end of the month, as this is clearly a merchant issue, yet, PayPal operational support is non-existent. This case has been open now for nearly 90 days. 
XXXX Clear documentation from the merchant that item was returned and has been supplied to PayPal . 
XXXX Clear documentation from the merchant that item was returned and has been supplied to PayPal . 
XXXX Full Item not received. In this case, documented on the PayPal resolution center, the SELLER clearly noted they would send the item to complete order, the case closed, the seller has since not fulfilled their obligation, for some reason, the case has been closed and is not able to be reopened. 

I have been declined in each case, after calling, filing all required paperwork and emailing the CEO, as they state 'the merchant has provided documentation the charge is valid '. So somehow, the documentation I am providing from the same merchant is not valid? I feel in each of these cases, PayPal is acting in a deceptive and unfair practice, where the consumer is at risk of unwarranted financial loss. 

I am seeking assistance. This is a basic merchant service which should be complied with by the company. 
-XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-20
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a call from Credit Management stating I owed {$77.00} to XXXX. I said this was not possible, I have an account with XXXX right now in good standing. Lady on the phone said she will XXXX debt as disputed. Move forward to today and I get a notification theyve placed a collection account on my credit report for {$77.00}! I have not received any debt validation letter or proof that this is even my debt. I call Credit Management and they sent me a letter on XX/XX/20, I say GREAT, I have the post office scan all my incoming mail to me via email and can prove I did not receive a letter. Credit Management says on the phone thats not our problem. I tell them they can not report this on my credit without having sent me debt validation. They say thats not true and you should know better.

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 2020-08-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
My credit was reported that i mixed 2 payments and the balance of my loan was reported wrongs as well i will want that to be corrected on updated on my credit reporting because i have filed a compliant in that regard. 
My Loan balance {$150000.00} -- -- -- -- -- -- -- -- -- -- -- -- {$270.00} Apply to the principal of my loan loan balance is {$150000.00} is my loan balance as of today. please stop reporting false reporting to my credit. 
and i want that corrected. because we had a deal that you said i don't have to pay and even at that the deal was fake but i still made my payments. you went ahead and reported false report to my credit. 
please don't get me in you false bank scam i don't want to be involve in that. i want you to report all my payment and you said that no payment was made which id a false claim too i paid over {$2800.00} IN XXXX AND XXXX alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Millco Management
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has been attempting to charge and collect amount from me by assigning this account to a different persona. I have made my part by reaching out to them and to the 3 major Bureaus. But to my surprise, I have not received any response from both parties. Thus, their act of negligence is highly not acceptable. I have made my research about this matter and by then the Bureaus have violated the Credit Reporting Act, 15 USC sections 1681i within the time set forth by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Bridgecrest Acceptance Corporation
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The vehicle in question was purchased and financed on XX/XX/2017 by BridgeCrest and was repossessed in the state of Oklahoma and sold by an unknown company on an unknown date. I was not notified about any of the above. I wasnt served certified or notified of any of the information. My credit report states it was an involuntary repossession with {$8900.00} owed Under the laws of Oklahoma and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I have not received proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL The alleged claim of a deficiency should be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports should be considered a violation of the FDCPA and FCRA. 

In addition, they have singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. 

Furthermore, at no point in time and under no circumstances is this company ; an employee of your company ; a representative for this company or affiliates to contact me or any family members by any means other than the US mail system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: American First Finance, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On XX/XX/XXXX I noticed I had multiple collections on my credit report for the same student loans. After looking closer I realized that some of them even had the same amounts and account numbers but were added over and over again as if they were separate collections. This was making it seem as if I had multiple accounts go into collections when that wasn't the case. I filed a dispute online in an effort to get the matter resolved on XX/XX/XXXX. I received results on XX/XX/XXXX stating that all information was being reported accurately and this is simply not true. This is KILLING my score and is inaccurate! I also have late payments listed under my student loans ( even the currently open one ) which is inaccurate because all of my student loans have been in forbearance since XXXX until present. Some were just transferred, but we're NEVER late.

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 2021-08-16
Company: SYNCHRONY FINANCIAL
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was on XXXX XXXX orders while this company closed my account without my permission as of XX/XX/2020. 

I was simply trying to set up XXXX benefits, and let the company know I was having issues with their autopay system before I went on XXXX. 

To my dismay the company closed my account without my permission even though I had 100 % on time payment history 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 2021-01-21
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 am writing this letter in order to inform you officially about violation of my rights by reporting inaccurate data in my credit report. 
The listed items are completely inaccurate and incomplete and it is a very serious error in reporting. I am writing this letter regarding unknown accounts below that suddenly from nowhere appeared in my credit report! Please take a look and make investigation as I do not not now the origins of these unknown items for me. I do not recognize these accounts and they are not mine .... Moreover, all of them are so visible in my report profile that I simply can not move on in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was mailed my unemployment card. I used my card to withdrawal money on XX/XX/2020 at XXXX XXXX. I tried to use my card again to withdrawal money and it would not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i was told my Covid forbearance has ended ; i then tried to work out a repayment plan with Shellpoint including the possibility of additional payments being deferred to the end of the loan i was told due to my income level there was no possibility to be worked out and if i do not come up with all XXXX the entire amount of the Covid-related missed payments i would be foreclosed upon immediately ( unbelievable! ) ; compounding matters i have been making partial payments for the last 4-5 months ( escrow only ) and i was also told i am entitled to an additional month of deferment but i can not get it please help me as i want to work out a structured settlement but the rep-manager, XXXX XXXX is not being cooperative whatsoever! 

thank you in advance for your help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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 tried to get capitol one to remove derogatory info on my report removed. They have 2 accounts showing derogatory amounts of {$660.00} and {$1000.00}. But its the same account # XXXX for both accounts reporting. I disputed this with them in XX/XX/2920 and they said accounts were verified. 2 amounts and 2 accounts that are reporting both as derogatory. To my knowledge my account was paid and then closed by me in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: JPMORGAN CHASE & CO.
State: NJ
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:
Hard inquiries without my knowledge -chace -XXXX I didnt applied for any credit line for this two companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-02
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5600.00}, {$1700.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to  request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

3. XXXX. XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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