BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I deposited a check into my XXXX XXXX checking account. The check was bad. I closed y account and paid it the next week when I got paid. It is still showing on XXXX XXXX under closure status it says not reported. It was reported on XX/XX/2015. I took care of it the following week and should have been closed. I called XXXX XXXX  last week when I tried to open my new checking and got denied. They emailed me a letter to take to my bank stating I did not owe them any money. I thought they would have this removed, but it is still showing on the report I received today.

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 2018-11-10
Company: Riverwalk Financial Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX states that you are bonded in the state of Texas, however you were not bonded till XX/XX/XXXX. XXXX XXXX XXXX purchased the debt XX/XX/XXXX, XXXX XXXX XXXX was not bonded in the state of Texas when the debt was purchased which makes XXXX XXXX XXXX in violation of the TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001.  XXXX XXXX XXXX made several attempts to contact me as well as mailing out collection letters when XXXX XXXX XXXX was not bonded, Sending collections letters and attempts to contact me XXXX XXXX XXXX is acting as a holder, as specified in the Texas Finance Code,  which the case says requires debt holders to obtain a license which was not obtain at that time. Where a holder fails to obtain the required license, it is prohibited by law from acting as a holder, XXXX was unlicensed as a holder, and therefore attempted to collect on a debt it is prohibited from collecting. 
I would like to bring to the attention that I am fully aware that XXXX XXXX XXXX currently has a class action lawsuit against them right now for this exact same reason. Currently all I am requesting is the immediate removal of this tradeline from my XXXX credit report, as XXXX XXXX XXXX has violated the aforementioned laws, you may not sell or assign to another debt collector. Please note I am fully prepared to pursue my rights. I further remind you that you may be liable for your willful non-compliance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: LHR Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX IS REPORTING THAT THEY HAVE AN ACCOUNT THAT BELONGS TO THEM.I DON'T OWE THEM ANYTHING. I OWE XXXX XXXX.XXXX HAS THAT I OWE THEM FOR AN HOSPITAL BILL, I DON'T OWE THEM ANYTHING. I OWE XXXX XXXX XXXX XXXX. I have contacted XXXX, XXXX  & XXXX  credit beureas on these matters. I need to get these ACCOUNTS REMOVED from my credit reports.thank you.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-23
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loans have been in deferment because I am in school. This semester is the first that I am not a full time student. I received an email at XXXX this morning ( XX/XX/XXXX ) from my loan servicer that I had a new billing statement. The billing statement was dated XX/XX/XXXX and stated that I owed over {$1200.00} and that it was due on XX/XX/XXXX, which means that I am delinquent without ever having had a chance to pay the bill. 

When I contacted the loan servicer today, they could not explain why this had happened nor did they suggest a solution to the delinquent payment. The supervisor I spoke to essentially told me to sign up for an Income Driven Repayment program and that if approved, they would " forgive '' the delinquency. No other solutions were offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Eagle Accounts Group, Inc.
State: NY
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 a old child support case on my credit report from over 10 years ago and it keeps on updating wrong information about this account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A credit card was opened under my name with XXXX without my knowledge or authorization. I disputed this card with Experian and the dispute closed with Experian stating that the card wont be removed from my credit report-even though I stated I never opened the account. I contacted XXXX as well and was told no account was created under my social security or name-yet it is still being reported to Experian. My biggest concern is having someone use the card and the charges affect my livelihood.

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 2018-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
account number : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not removing this debt from all three credit unions but estimated drop off date on XX/XX/2017, please help me to resolve this issue. 
Thank you

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 2018-02-23
Company: Trident Asset Management, L.L.C.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
" XXXX XXXX '' Date Opened :XX/XX/XXXX.Original Creditor : " XXXX ''. And " Trident Asset Management '' Date Opened : in XX/XX/XXXX. I've Filed a FTC report of Identity Theft Report and sent it to all three bureaus. XXXX XXXX Or Trident Asset Management Has not Validated This Acct with A signature or legal contract of acct being mine. XXXX XXXX  has Deleted them items after my report and not validation. But XXXX said the acct will stay on record until XX/XX/XXXX. So I'm sending out another Validation Request and filing a complaint with the CFPB as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I am expecting a {$3000.00} bank transfer from Chase. I have a XXXX XXXX XXXX Account. The deposit is for identification replacement purposes, legal expenses, and miscellaneous expenses such as academic, real estate and other expenses like specific types property damage repair. Chase refused the transfer and banking services and would not let me access my own assets. The transfer is from a joint account with XXXX XXXX. XXXX XXXX already authorized the transfer and Chase attempted to cancel it. I would like to know why Chase is playing a grand larceny game again. They also give access to identity thieves like XXXX XXXX instead of approving a bank transfer to authorized parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
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:
I disputed an account that shows closed by credit grantor to correct it as closed by consumer and I sent documents proving it however The credit bureau still showing closed by grantor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX XXXX is falsely reporting a high balance on my credit report. I had a vehicle with them opened in XXXX of 2015 for approximately $ 12K. I voluntarily surrendered this vehicle and the remaining balance is $ XXXX after the sale of the vehicle. My equifax credit report shows the accurate $ XXXX tradekime but tally also added another $ XXXX tradeline onto my equifax credit report. It goes without saying that this is negatively impacting my credit score. This trade shows a term of one month, no payment history, and also that it was charged off. I have tried to contact XXXX XXXX XXXX to update my credit report removing this negative information to no avail. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: General Motors Financial Company, Inc.
State: NJ
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:
In XX/XX/XXXX I received an alert from a credit monitoring service that my score had dropped due to an account change. I logged in and saw that GM Financial had reported my payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as 30 days late. I immediately contacted GM Financial to report that when I log into their payment system, it showed my account has having a balance due of {$0.00} ( screen shots attached ). The only time it would show a balance due was towards the end of the month. I made the payments at that time and then they were considered 'late '. 

GM Financial customer service stated on XX/XX/XXXX : This is a site issue that we are aware of and our web designers are in the process of updating the system to get it corrected. 

There are also articles online where GM Financial admits having issues with their payment system when they updgraded in XX/XX/XXXX. 

I spoke with customer service both on the online chat and over the phone to explain my situation and have my account updated to show that the payments were not late due to an error on their end in their system. 

Even though they admitted they are having system issues, they said they will not do anything since they only have the date when my payment was received. 

I am being punished with late marks on my credit report even though their payment system has an acknowledged and admitted error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-10
Company: Experian Information Solutions Inc.
State: NC
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 previously filed an FCC complaint on XXXX for erroneous billing and failure to credit my account properly. After the depute my bill was credited and it resulted in a XXXX balance.Afterwards I ported to a new company and returned 2 years later. The bill wasnt mentioned and there were no adverse effects when I ported back to XXXX. Almost a year in and collections agency has listed the item on my credit report. XXXX advises the issue was resolved and they aren't showing compensation due on the amount. However, Experian is the only credit reporting agency that refuses to remove it even after several disputes have been entered. In fact they have blocked me from further filing in the matter!

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 2018-08-21
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with fraud alerts or security freezes

Complaint:
Banco Popular mortgage has 2 properties or lots that used to be ours and are on each side of our house and the house 's mortgage is with Banco Popular, all 3 lots have unstable soils and cost close to $ XXXX millions to repair or cure the 50 feet deep of unprepared soil that we inherited and we gave Banco Popular the soil studies to confirm our situation, We could sell those properties but we had to deceive or commit fraud against the potential buyer so we got hit and lose a lot of our capital, Banco Popular are offering these properties without the full disclosure that we gave them and the new buyers want to construct residences without the curing and ignoring the history of land slides in these properties, we just did another soil study and comparative topography of the area and just to reconfirm that lots are unstable and are worst and if the curing is not done will affect our house that is in the middle, all of this is confirmed by my structural and soil engineers, what can you do to help us? we had to bankrupt under chapter XXXX to protect us, BPPR just don't care and keeps hurting others because if the expensive curing is not done will damage our house, the new residence and life can be in danger.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: SYNCHRONY FINANCIAL
State: PA
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 recently saw activity on my credit report that was not done by me. This item showed up on my credit report on XX/XX/2018 : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018 I have contacted XXXX/Walmart at XXXX and they claim they have no record of an account with my information or any pending applications. XXXX  told me that they would need a letter from XXXX/Walmart in order to remove the hard inquiry. I can't get a letter from them because they have no record of any transaction using my info.

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 2018-11-10
Company: Equitable Acceptance Corp
State: AZ
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:
In XX/XX/XXXX I noticed my credit profile had been missued by entities I have no knowledge of and reported to the credit bearues. I did not give authorization to the following entities to obtain information regarding my credit profile not did give written or oral consent fot any inquires being reported by the following entities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: JPMORGAN CHASE & CO.
State: AZ
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:
In XX/XX/XXXX I noticed my credit profile had been missued by entities I have no knowledge of and reported to the credit bearues. I did not give authorization to the following entities to obtain information regarding my credit profile not did give written or oral consent fot any inquires being reported by the following entities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-10
Company: NCB Management Services 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:
XXXX has been non-compliant with removing the unverified account NCB MANAGEMENT SERVICES , INC. which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXXNCB MANAGEMENT SERVICES , INC. was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: EQUIFAX, INC.
State: AL
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:
This is outrageous! I am a victim of Identity theft and was told by my lawyer to come through the CFPB because Equifax wouldn't respond to my claim. Then, when I do submit a complaint, they state its not me! To prove that it is me, I have a notarized letter as proof that it is me submitting this complaint about the fraudulent acccounts on my credit report! have also included my FTC report that I've filed with the federal trade commission with the accounts that are fraudulent on my credit report. This is not how an Identity theft victim should be handled. It is the consumer reporting agencies job to ensure that, I the consumer 's report is reporting accurately. They have failed me and it is defamation of my character. Equifax is the only one that is giving me a hard time. I'm so tired!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Security Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt was actually included in a chapter XXXX bankruptcy which has been discharged. After numerous attempts with via phone and email to the debt collector and also with the credit bureau this issue still remains on my credit report as a collection account with a past due balance. The amount of the collection is {$820.00}. The date of the initial debt was XX/XX/016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: CITIBANK, N.A.
State: AZ
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:
In XX/XX/XXXX I noticed my credit profile had been missued by entities I have no knowledge of and reported to the credit bearues. I did not give authorization to the following entities to obtain information regarding my credit profile not did give written or oral consent fot any inquires being reported by the following entities.

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 2018-08-21
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit 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 chose the option closest to my situation. I find myself in a unique situation. I have been traveling extensively for work and admittedly did not pay close attention to my bank account statements. XXXX XXXX notified me that Since XXXX of XXXX, there was a ACH debit charged to my account monthly for a XXXX XXXX Credit Card through XXXX XXXX totaling {$1000.00}. I called my bank and they disputed charges from the last 60 days. I cancelled my Debit Card with XXXX XXXX and ordered a new one. I then contacted Synchrony Bank on XX/XX/XXXX letting them know what was discovered. On XX/XX/XXXX, XXXX XXXX verified that I do not have any credit cards opened in my name and that I needed to fax a statement and proof to their fraud department. I did so, and was informed that I needed to dispute the charges through XXXX. I explained that XXXX XXXX XXXX policy is that they will only credit erroneous transactions for the last 60 days. I was then told by XXXX XXXX XXXX Fraud Department that they would not reimburse me for charges erroneously made and to see if I could get XXXX to extend the 60 days for credits.

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 monetary relief
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A TREMENDOUS DROP IN MY CREDIT SCORE. I HAVE ABSOLUTELY NO IDEA OF WHO WOULD HAVE GAINED ACCESS TO MY PERSONAL INFORMATION AND WOULD BE ABLE TO OBTAIN THESE ACCOUNTS AND INQUIRIES. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING SO DAMAGED. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I am being harassed daily by a company about a car, I know nothing about. I'm a victim of identity theft. I'm getting calls of them threatening to come to my job and residence and garnish my checks as well. Please help me.

Company response to consumer: Closed with explanation