BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Reported a late payment on XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: National Credit Systems,Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Attempted to collect a debt on a rental property described as a joint account when it was lit a joint account and a guarantor was placed on the account falsely after being denied

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
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:
I try dispute with all 3 Bureus a chapter 13 also disputed with XXXX XXXX they all saying is verified by court they all get in this information from XXXX XXXX that is a third party agency so basically they are lying so in other words I would like this resolution resolved right away thank you they all lied sayin is verify by court court doesnt report to know one please deleted this immediately as I have proof from court an also is against the fair act to lie in reporting a file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Company in question is XXXX XXXX XXXXwho garnished {$180.00} from each of my weekly payroll. They claim until the amount of {$3000.00} is paid for judgement against me in XX/XX/XXXX for a debt bought from Santander for a delinquent auto lien on a repossessed vehicle. The garnishment took place on the payroll of XX/XX/XXXX and the XX/XX/XXXX. The problem is this debt was legally settled through another collection agency XXXX XXXX & XXXX on XX/XX/XXXX. I was contacted on XX/XX/XXXX by my parents that XXXX XXXX & XXXX called in reference the delinquent auto account from Santander. The reference number is XXXX and account # XXXX. They advised it was a attempt to collect a debt from Santander and gave me three options to settle. The settlement options I believe were a 12 month payoff of {$5000.00}, a XXXX payoff for 6 months, or to pay off immmediately for {$1000.00}. I agreed to settle for {$1000.00} and under contract they gave me until the XX/XX/XXXX to pay it in full. On the XX/XX/XXXX I noticed I was garnished for {$180.00} by another agency XXXX XXXX XX/XX/XXXXin referecnce the same debt. I was furious and notified XXXX XXXX $ XXXX in referecnce the garnish and they stated that Santander have used another creditor in addition to them. I said that breaches our contracted agreement and asked will this end the garnishment that came after we agreed to settle. I was advised it takes 60 days before it clears through all the credit bureas so I paid {$820.00} which they agreed upon due to the {$180.00} garnishment applied for the same debt. Even after paying I was garnished again on the XX/XX/XXXX so I tracked down the contact for XXXX XXXX XXXX XXXX XXXX and XXXX. He is claiming the two firms do not know each other and he will not accept the letter of settlement I sent him, because he owns the delinquent account bough from Santander. XXXX XXXX XXXX claim the same account and instead of garnishment opted for settlement. Somone is a fraud but both to have claim legal right to the account. I am now being garnished for the settled debt by XXXX XXXX. Now XXXX XXXX is rollingback on the settlement and refunding the money but I am still being garnished by XXXX. I am not at fault here I paid the debt under legal terms. Both claim ownership on their own terms, but stated to be lawful. I am caught in between for a debt contracturally settled. XXXX XXXX and XXXX have grievance against Santander for double selling the debt contract not with me. I did not agree to accept a refund for this legally settled debt, I am no longer liable. I need XXXX to cease garnishment and pursue Santander or XXXX XXXX for settlement. I am not paying twice for the same account and XXXX now is trying to charge me more than what I had already settled for. 

Contacts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Case # XXXX XXXX XXXX XXXX XXXX & XXXX XXXX   ext. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: EQUIFAX, 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:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Good afternoon, my name is XXXX XXXX, I am writing to you one more time because I am receiving letters from creditors of accounts that are not mine, I have not applied for any of the accounts that are trying to collect, please do a review of my case to see if you can help me. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
Company: EQUIFAX, 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: BMW Financial Services NA, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
There is a repo report on my credit which is incorrect I do not have the car nor was I purchasing the car it was a lease and was returned I am still being charged for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I Can not get my annual free credit reports due to errors in my idenity. Somethung in my report is not matching and this goes for all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: Capio Partners, LLC
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:
I have disputed this debt twice on my credit report, to my knowledge. This collection company states that this debt is from a hospital in Florida- XXXX XXXX XXXX , located in XXXX , Florida . I do not recall ever going to XXXX XXXX in XXXX and I did not live in Florida in XXXX of XXXX, which is reported on my credit report. Capio Partners has listed this debt as opened in XXXX of XXXX for Credit Limit/Original Amount : {$1700.00}. Credit bureaus have certified this information as true but I have never received any documentation that this is my debt. I have received no phone call, no letters- no documentation at all that this debt belongs to me. This violated the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
unknown inquiries on 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 non-monetary relief
Consumer complaint received 2017-12-15
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I called 3 credit bureaus to remove negative report from my public record but they didn’t respond me it shoes bankruptcy on my public recort on my credit report back in 2014 they told me they gonna remove it becouse is too old not current and need to be removed please help me to remove im trying to by a house it’s hurting me can’t go forward to grow upThanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Experian Information Solutions 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:
Closed XXXX account in XX/XX/XXXX. XXXX closed the account but did not notify me of {$10.00} outstanding, which then ballooned to almost {$200.00} by XX/XX/XXXX, but I was not notified of the balance because I had closed the account. I discovered it in XX/XX/XXXX from my credit report and paid immediately but it has seriously damaged my credit score since, due to XXXX negligence. I disputed with Experian in XX/XX/XXXX and the companys response was to remove the note saying that I closed the card in XX/XX/XXXX and only show the overdue amounts accumulating until that XXXX. XXXX made a nearly 2000 % profit in 7 months by defrauding me and has done long term damage to my credit, all for a {$10.00} charge which is clearly within my means and which I would have gladly paid had I been notified.

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 2021-06-04
Company: Synovus Bank
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Company is not sending monthly statements and continuously charging additional fees. Company also reported my account as late even when current making payments during COVID

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-28
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Cell phone bill settled when phone was returned to XXXX office. Receipt was given to me account closed and Dlversified Consultants bought the account from XXXX since about 17 months ago. Finally XXXX removed it from their system but XXXX  did not. Want it resolved as soon as possible so that my credit report can be accurate. Disputed it with XXXX XXXX andXXXX foundXXXX it was unfounded. Need to have XXXX  to remove it as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
your recent claim that closed auto loans for XXXX XXXXXXXX XXXX account # xxxxxXXXX, which you claim I owe {$13000.00} and XXXX XXXXXXXX XXXX closed auto loan account # xxxxxXXXX which you claim I owe {$0.00} has verified that the account they are reporting under my name is accurate. You continue to remove and add back and this is false information. I am keep documented communication from phone and letters. I continue to submit the documents of police report and affidavit. I sent certified USPS mail tracking number # 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 2017-09-19
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Card : American Express XXXX Preferred Guest Card Opened account in early XXXX XXXX, when XXXX had a promotional account opening reward bonus of XXXX SPG point, with certain spending requirement. 
Here 's my statement amount for the first several months : XXXX : {$390.00} XXXX : {$7900.00} XXXX : {$1700.00} Those amount should easily cover the spending requirement. But I have never got my rewards. So I contacted XXXX 3 times, once in XXXX, twice in XXXX. I 've been getting the same answer every time. 
The " official '' answer is : this is a known issue and we 've been investigating it. You will get your reward soon. That 's XXXX. 

I 've no where to file a complain so hopefully you guys could help out here. 
Thank you so much,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: SANTANDER HOLDINGS USA, 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:
Santander consumer USA, allowed me to have a trail payment plan for my car payment in XXXX for the XXXX pandemic, in the last year XXXX - XXXX the car was paid off, the account showed as current and XXXX balance, when I verified my credit file in XXXX I discovered Santander Consumer USA XXXX reported my account NEGATIVE in all years XXXX late payments, I did a dispute with them and I sent letter to XXXX and XXXX to delete all the negative late payments and they never removed them, my account still remain Negative late payments 60 days late and 30 days late, please investigate this issue for me because of this matter I cant rent any place to live my life right now is miserable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX refused any communication for over a year with my lawyer who was attempting to negotiate a settlement on my behalf for the balance due on a XXXX  credit card. I requested that my credit card be closed and XXXX reported the balance as a bad debt write off, yet they continue to report the balance as outstanding for the past seven years to all three major credit bureaus hurting my credit score and making impossible for me to qualify for a mortgage.

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 2021-06-04
Company: Lockhart, Morris & Montgomery 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 status incorrect

Complaint:
Lockhart, Morris and Montgomery placed a collection on my credit report for a balance due of {$92.00} from XXXX XXXX XXXX XXXX. This company has never reached out to me about this debt. I was actually sent a refund for the account in question, so there isn't anyway I have a balance due. Refund was {$150.00}. It is unfair and damaging for this company do be able to report something on a credit report that is not actually due. Please investigate this. Debt collector would not verify any of my info and said they sent me several letters, although they could not tell me when those letters were sent. 

I work very hard to keep my credit good and up to date, fraudulent instances like this hurt my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
N Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2020-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Account ending XXXX I switched to paper statements because I was in the hospital due to my health and not able to access the internet online. I notified the company several times that I have not received any paper statements over the last 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: DISCOVER BANK
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I mailed in onXX/XX/XXXX TWO payments money orders as they will not take a payment online, will not mail a statement, will not take a payment online. I do not get balances or receipts of payments or invoices. I have fought them for 2 years now to get it even listed on the website but yet cant pay on there and it says no payment due and no statements even on there.
I mail in the payments on the two subloans.
{$250.00} to one student loan - call XXXX XXXX can see status of payment loan XXXX XXXX {$250.00} to the other student loan - loan XXXX XXXX XX/XX/XXXX they process the one and today XX/XX/XXXX they claim they NEVER got the other one its a money order the only way I can pay them and its now lost they claim. So I am OUT of {$250.00} plus costs to get it mailed to them, late on payment and paid taxes on that income.
This is not the first time this has happened. I cant pay online I cant pay any other way.
How can they get one and not get the other to the exact same location at the exact same time!!!? I call I get transferred around and around and told pay the full balance now.
Agreement is {$75.00} a month and I am paying {$250.00}. I cant pay this off if I had cash sitting in my hand to save my life! Yet its damaging my credit I cant buy a house with these two scars on my credit yet nothing is late for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have an American Express Bluebird account which I make deposits into and essentially use a debit card to make transactions. There have been quite a few instances that I simply can not file a dispute of transactions. Bluebird states that if you send in a written notice of a disputed transaction that it will be addressed. I did just that and never heard back from Bluebird about my fraudlent transaction.

There is no way to access fair dispute processes with Bluebird at all in addition to there not ever being a live human to speak with about concerns.

Once again I had to close down my card and reorder a new one because of a lost card, however I can not speak to a live person and there is no formal process of filing a dispute that will be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: EQUIFAX, INC.
State: CA
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:
Please remove the following unauthorized inquiries from my Equifax credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation