BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding an accurate 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 XXXX  data breach and may have gotten into hands of the wrong person.

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 2018-07-19
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
I have tried to dispute an account with Discover bank in regards to charge offs but without success.This company has continued to violate the California Credit reporting act by reporting an account that was never charged off, it was merely settled after falling late a few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called in XXXX of XXXX to ask my account be reopened and/or to remove closed status off of my credit report. I was told this was not possible then they updated my credit report to reflect the date of my dispute when it needs a close date of XXXX. This incorrect date of XXXX impacts my credit negatively. Because it pushes the the recorded time on my credit report out until XXXX instead of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: ALLY FINANCIAL INC.
State: WI
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:
Customer service would not take care of these Inquires that was not approved by me XXXX XXXX XXXX -XX/XX/XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XXXX/ XXXX -XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
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:
XXXX XXXX XXXX placed a item on my credit report with a balance of XXXX this account was incorrectly reported. The account has been paid .And has a XXXX  balance but it should have been placed on my daughter 's credit report not mine. I never used XXXX XXXX XXXX XXXXXXXX this account was opened in Alabama. My daughter apparently put me on her account if I need towing service. But this account was not opened in my name. My daughter advised me she paid it. But the company placed on my credit file instead of my daughter. I have resided in Nevada since 2012 see attached.

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 2019-11-25
Company: EQUIFAX, INC.
State: SC
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:
XX/XX/2018 XXXX, NA, XXXX XXXX I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, I contacted Experian about an unauthorized request for my credit history from a company I have never had any dealing with. They successfully took the inquiry off my credit and I placed a fraud alert on my credit report. On XX/XX/XXXX, I discovered that they had failed to contact XXXX to place the fraud alert on that one.  XXXX, however they did. It is my understanding that whenever one contacts one of the agencies, it is their responsibility to inform the other two agencies and this was not done. Also, I have now received a bill from a debt collector telling me that I owed money on an account that I did not open. The complaint here is, WHY did the creditor not contact me the way they were supposed to by calling me to verify it was me opening the account? This one goes back to 2 years ago when I placed the FIRST fraud alert on XX/XX/XXXX. Im very upset at the fact that thieves were able to not only open accounts fraudulantly using my identification, but also that they were able to do it WITH a fraud alert in place. The company in question here was XXXX XXXX. Overall, I am very unhappy about the way this system was so easily overridden. What is the point of having a fraud alert in place if the creditors wont follow the rules and call me like the alert asks them too??

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 2020-07-17
Company: DISCOVER BANK
State: AL
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 Contacted the company to get this inaccurate information cleared up but they have failed to do so. They have not provided any information about this account belonging to me such as the original promissory note or any form of indebtedness. 


I have already contacted the company 3 times and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Social Finance, Inc.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I originally tried to open a Sofi Money account in XXXX using my sister 's referral. The application would not process because I had started an application over a year ago with a different email and that email had to be used. I spent several weeks figuring this out with customer service and getting access to my old account that had been set up with my previous application. Then I applied again with their new {$120.00} offer and the application wouldn't let me upload my Driver 's Licence. I eventually got this to work, but was declined because the info on my driver 's Licence didn't match. I got this figured out with customer service that my old profile had the wrong info. I finally got my application submitted the deadline of the {$120.00} promotion, but my account said it was setting up and I was unable to transfer money in to meet the qualifications of the bonus. The customer service rep I talked to said not to worry and to get the money transferred in as soon as I could. Fast forward to XX/XX/XXXX, and customer service refused to give me the {$120.00} bonus because I did not meet the deadline, although the previous said it was ok. I asked if I could possibly get the referral bonus that I had applied through so long ago, and they said that deadline for that had passed as well, and I'd get nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My name is XXXX XXXX. I contacted y'all last week. Someone hacked my account and changed my email and security questions, and y'all won't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Dear Experian I mail you on XX/XX/2022 regards incorrect the balances being reported by your company are different from the other bureaus, this means the account has not been properly verified. Please delete 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 2020-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have continually disputed a collection from XXXX student loan collection agency to Transunion and XXXX and XXXX. Each time i dispute it, they say they verified the information as correct. NO they didn't. No payment was made on the student loans in over 18 years and yet they are allowed to keep ruining my credit by posting that i made payments in order to justify keeping it on my report. This is illegal, and i am filing a lawsuit if they are not removed. This is my last attempt to get these credit reporting companies to remove the collection account. There is a 7 year limit from the last payment made, and it has been 18 years.

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 2021-04-13
Company: HW Holding, Inc
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Collection was passed to Hunter Warfield from an apartment management company. Management company alleges I have unpaid fees- however I satisfactorily met all requirements in lease agreement. Disputing that I owe any funds.

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 2020-09-07
Company: The CMI Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2020 I paid XXXX dollars I owed to credit management collection company. That payment was initially supposed to go to XXXX  XXXX  XXXX. I paid by money order and mailed it to credit management. I called XXXX  the day I mailed it to let them know. I told them my info, they gathered it and said fine. I called credit management about a week after I mailed the money order to see if they received it and they told me no they haven't. Waited another week called them and they told they do not have my case anymore, spectrum took it back. So I asked you did received payment they told me, we sent everything to XXXX. So I asked is my balance paid with you guys and they said it's not paid but you need to call spectrum because they have your case now. I called XXXX  and now they are saying they don't have any history of me being a customer which I was. And just 2 weeks XXXX  agent and I gathered my information on the phone in there system and now they tell me they don't know who I am.  Neither one of them know what's going on now that I paid them. So I called credit management back and complained about how they had my case and spoke to them before I sent payment and all of a sudden you don't have my case anymore. The agent from credit management kept saying at least it's off your credit report. So I was happy it was off my credit report and had hoped XXXX  got paid and removed me from there system. Now 2 months later on XX/XX/2020 another credit collection agency by the name of XXXX sent a collection notice for the same balance. I really believe all 3 companies are in this together. And I believe XXXX is the same as credit management.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Account No : XXXX XX/XX/2018, the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX entered my home, violently attacked my children, left a scar, and stole my sons XXXX XXXX. On XX/XX/2018, the XXXX and XXXX gang told me twice that XXXX XXXX and XXXX ordered the attack. The attackers also said they have been monitoring my home for months. I have been paying promptly. I explained the XXXX retaliation situation many times and I always said I would pay and asked for time. I also mentioned that the XXXX case is ongoing in XXXX. 

Sunday, XX/XX/2018, in-humanely XXXX XXXX and XXXX attacked my son, left a scar, and stole his XXXX XXXX. The next day, Monday morning, when my son went to school ; the school said that his XXXX XXXX licence plate is cancelled. I dont know how XXXX XXXX XXXX school knew about the licence cancellation very quickly. 
I have invested over {$26000.00} in my sons XXXX XXXX. I have been following up with Bank of America since 2018 on this incident, but no response. I financed my sons XXXX XXXX through Bank of America ; does Bank of America have the policy to send XXXX and XXXX XXXX, take my sons XXXX XXXX without any notice, and violently attack my children? 

What happened to my {$26000.00} investment? 

Which policy allows Bank of America to send XXXX XXXX and XXXX to take my sons XXXX XXXX without any notice and attack him? 

XXXX Bank of America have the policy to monitor my family? 

I always said I would pay. I want my sons XXXX XXXX ( XXXX ). I will pay the money. And I also want compensation for all the sufferings and losses we endured unjustly because of Bank of America 's violent act. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my account with no prior notification or indication they were going to close it. They emailed me a notification 3 days AFTER they closed the account telling me it was closed. They closed the account on XX/XX/XXXX and I received notification on XX/XX/XXXX. I called BofA and they told me they had closed the account due to inactivity and they do not send notices letting people know they are going to close the account before they actually close it. I asked them to reopen the account and they said I would need to apply for a new card.

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 2021-10-22
Company: Santander Consumer USA Holdings Inc.
State: OK
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:
Their were hard inquiries on my credit report that were not authorized by myself. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SANTANDER CONSUMER USA- XXXX/XXXX/XXXX XXXX XXXX XXXX OF- XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
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 {$7700.00}, {$3500.00}, {$3200.00}, {$11000.00}, {$15000.00}, {$18000.00}, {$0.00}, {$10000.00}, {$3400.00}.

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.

-- CLOSED ACCOUNTS 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- PERSONAL ACCOUNTS 5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

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

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 


-- XXXX ACCOUNT 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -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
Consumer complaint received 2020-07-06
Company: Santander Consumer USA Holdings Inc.
State: AL
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 have an auto loan through Santander Consumer USA. I am currently financing a XXXX XXXX XXXX ( VIN :  XXXX ). My account number is XXXX. 
Last year, I was facing financial hardship. I called Santander in XX/XX/XXXX to inquire if I could have my car loan refinanced at a lower rate. I was told that Santander would not be able to grant this request. In XX/XX/XXXX I was three car payments behind and facing a repossession. On XX/XX/XXXX I made a payment for {$2000.00} to bring my account current. I have been making payments since XX/XX/XXXX. As of XX/XX/XXXX, Santander has my account listed as closed on my XXXX, XXXX, and XXXX credit reports. I called to request that this issue be resolved to reflect my current payments. To date, this action has not taken place. I am asking that my payments be updated from at least the last 90 days. 

Since XXXX, Santander currently has a class action lawsuit due to allegations that Santander issued unfair auto loans with excessive interest rates and other terms. These loans were allegedly offered to subprime consumers who were highly likely to default on the debts. It is my belief that I am a victim of this unfair practice. In XXXX, I was discharged from bankruptcy and totaled my previous vehicle. I was in need of reliable transportation and I accepted the loan from Santander. I am a resident of Alabama. I inquired with my state 's attorney general office and I was later informed that Alabama is not a participating state in the class action lawsuit. 

I am lodging a complaint to have Santander update my payment history from at least the past 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: EQUIFAX, 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: Account information incorrect

Complaint:
My credit card company, XXXX XXXX XXXX, updated my payment status from XX/XX/2017 for my credit card account. It should now reflect that the payment for that month was never late, however, it is showing that this account was late during that time frame on my XXXX and Equifax reports. I have attached the letter received from XXXX XXXX stating that they have requested that this information be updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation