BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-21
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I recently had several unauthorized ATM transactions show on my Santander Bank account. There are still 2 transactions that have not been refunded. {$800.00} on XX/XX/XXXX and {$150.00} on XX/XX/XXXX. Now, I contacted them by phone via relay service ( Im XXXX  ), and the call got locked up near the end. So Im not sure if my dispute was actually filed or not. I decided to communicate through the CFPB instead of relay service so that its on record.

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 2019-05-21
Company: EQUIFAX, INC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I filed a dispute on XX/XX/2019 to remove student loans which reports missing information on account history and a incorrect balance on the account and they stated the account is accurate but it's not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
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 status incorrect

Complaint:
I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine. I sent a dispute letter in regards to EQUIFAX, XXXX  and XXXX  on XXXX, XXXX and XXXX asking that they be removed. Please note the response should have been provided by date XX/XX/2021. I have not received a report and EQUIFAX, XXXX and XXXX are over the time frame required to submit a report to me. Please investigate and send me an updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: CITIBANK, N.A.
State: TN
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: Card was charged for something you did not purchase with the card

Complaint:
I disputed a charge on line but made a mistake on amount ) $ value. ) So I withdrew the dispute and could no longer dispute on line. I tried to dispute through their chat service and after 2 days and multiple chats they told me they could not help. So I called the credit card company and after speaking with 5 different people they did not help with dispute. I finally asked to speak to someone about canceling my card ( after 1 hour of trying to resolve ) so they tried to transfer me but hung up and canceled my card without my authority. I never said cancel the card I asked to speak to someone about canceling hoping for help with my dispute. I use the card for over {$100000.00} a year in purchases and pay on time 100 percent of the time. I have an excellent credit score. Citi was my credit card bank. Never again will I use any Citi 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 non-monetary relief
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: NY
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:
The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have made many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and delete it from my personal credit file. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have reached out by letter and phone to the credit reporting agencies about updating my personal information. and so far they have not complied, there are still addresses and names that shouldn't be on there, and I fear my identity has been compromised because of it.

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 2021-11-27
Company: EQUIFAX, INC.
State: WA
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:
I reach out to Equifax today and the representative refused to investigate my inquries I explain that these companies did not have permissible purpose and I have not sought any credit with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: NY
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Name of company ; XXXX XXXX XXXX original creditor name ; known as XXXX XXXX XXXX XXXX XXXX balance is {$1700.00} Date open XX/XX/2018. 
Steps taken written a handwritten letter to please take off as I don't know about this at all and I have called.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for and thought I was granted a loan modification with SPS. However I was told it was conditional not necessarily based on my making trial payments ... I completely understand that. I needed my ex-husband to sign assumption paperwork notifying the lender that I was the new owner of the home. 
Here is the background : my husband and I divorced and he quit claimed the home we both lived in to me. His name was on the mortgage statement. The divorce decree and the quit claim were both sent to the lender several times during the modification period. Eventually I was told the modification was approved but my ex -husband needed to sign the assumption document. He moved out of the country. He did sign the document. I signed it as well and it was then sent to the bank. It was difficult to get his signature as I have no forwarding address for him -- only his email. Our divorce was and our relationship still is very contentious. The bank is now telling me that I need to send in an original signature page. This would require time and effort and in the end I may not be able to get him to send me the document with his " wet '' signature. In the meantime, SPS is threatening to send my mortgage to an attorney and is telling me my home may be foreclosed on. I have had XXXX and a divorce and this has been horribly XXXX -- not making my health situation any better. SPS has been very difficult at every turn. They have a document signed by everyone that needs to sign and now they tell me they need it again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have informed XXXX several times that I had a payment plan for the date of XX/XX/2016 and yet they still report to the credit agencies that this was a late payment.

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 2018-08-30
Company: World Acceptance Corporation
State: NC
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:
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX XXXX XXXX a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Im request promissory mastery note documentation from the student lenders regarding an amount that I see in my account for XXXX school the first I see is XXXX XXXX  college and the other for XXXX XXXX XXXX. I'm seeking verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Exeter Finance Corp.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reached out to this company and credit bureaus to inform them all know that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to any of letter directly, which is a direct violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
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: Account status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
During my days in school, I wasn't informed about any payments on my loans. I have an inaccurate amount of late payment remarks on 4 opened and 1 closed account. I recently have gone through hardship due to one of my family members dying and losing my job. I'm also having problems making a few payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: AmerAssist A/R Solutions, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
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: Their investigation did not fix an error on your report

Complaint:
I have pulled my credit report and found there to there to be inaccurate inquiries on my credit report. I have sent 2 letters via certified mail to Equifax Credit Reporting Agency requesting for the removal of these inquiries. This is my official complaint and last resort  before I seeking damages if these inquiries are not removed. It is to my knowledge that the FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes.

1. XXXX XX/XX/17 2. XXXX XXXX XX/XX/17 3. XXXX XXXX XX/XX/17 4. XXXX XXXX XX/XX/17 XXXX. XXXX XXXX XXXX XX/XX/17

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been enrolled in a interest rate reduction program for two years which i diligently renew every year. In XXXX 2017, I received an email from Navient to submit documentation to renew in which i did. I get a statement in XXXX indicating that not only has my payment amount increased from {$120.00} to {$250.00}, but also the due date his changed from the XX/XX/XXXX to the XX/XX/XXXX. I was informed that I owed the difference even though i submitted the requested documentation and set up auto debit for the payment. Navient claims that in addition to requested documentation submitted, that i was to personally contact them which was never indicated. Navient is practicing predatory lending and ensuring policies/practices for borrowers to default on their loans. I just want the reasonable and affordable rate that i was paying before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 received your correspondence on this alleged accounts stating you verified and updated these accounts XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX Trans XXXX XXXX XXXX  XXXXTrans XXXX  XXXX XXXX XXXX XXXX Trans XXXX XXXX XXXX XXXX Trans XXXX XXXX was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.

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 2019-05-21
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: Investigation took more than 30 days

Complaint:
This company failed to provide me a copy of the credit application signed. A file showing the information is valid placing it on my credit. 

The company is called -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This is the last and final time I try to remedy this situation, or I would like to take legal action in civil court for defamation of character. creditor is in noncompliance with the FDCPA & FCRA By continuing to report false, inaccurate, unverifiable Items on my credit report creditor has not responded to my last five letters but states a response was sent. through my CFPB complaint they sent copy their response which are clearly inaccurate and incorrect. I have never received any response because creditor has inaccurate billing address on file. If any Investigation took place it is clearly inaccurate, how can you verify invalidate in item that does not match my state identification card. the fair credit reporting act states creditor must be able to provide original copies of contract bear in my wet signature, creditor states copy of contract were sent and that is a lie. Creditor sent all copies in there CFPB response and no such copies appear in the response given. No consumer contract with my wet signature was provided as the creditor stated, nor is billing address balance CORRECT OR CONNECTED TO ME, payment history is incorrect AND IN ACCURATE ON ALL CRA 'S. XXXX HAS A PERFECT PAYMENT HISTORY AND AT THE SAME TIME XXXX IS REPORTING A COLLECTION WHILE XXXX AND ZERO KNOWLEDGE OF THIS ACCOUNT.This creditor also states I made a recent payment of {$6.00}, false and against the law. If any payment was made, then Please provide copies of transaction statement that clearly shows I made a {$6.00} payment. if this negative reporting continues on my report, I am going to take legal suit against Toyota and the cfpb for allowing this to continue. Creditor is reporting incorrect accounts to addresses I DO NOT LIVE AT NOR IS THE ADDRESS ON MY STATE ISSUED ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2019, I called usaa customer service line at XXXX. I specifically told Them, I want to close my checking account cause XXXX XXXX has compromised the integrity of my accounts at Usaa. I said close my account now. 4 times they transferred the call and hung up. They refused to close it. I wasnt it closed now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: MS
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 credit card company is reporting an account on my credit reports with Equifax and XXXX. I do not have a credit card with XXXX and never have. They have refused to remove this incorrect information and it is adversely affecting my credit score!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 credit card company is reporting an account on my credit reports with XXXX and TransUnion. I do not have a credit card with XXXX and never have. They have refused to remove this incorrect information and it is adversely affecting my credit score!

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 2020-05-04
Company: EQUIFAX, INC.
State: OK
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 reviewed my credit report and found wrong, inaccurate fraudulent accounts on my report.

Company response to consumer: Closed with explanation