BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-04
Company: Firstsource Business Process Services, LLC
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have never been contacted by One Advantage LLC regarding this debt. I would like full verification and not just my address verified. I want proof this debt is mine, an itemized statement of charges, all payments from insurance, dates of insurance payments and denials. Plus I want the HIPPA form sent to me. I want proof that I signed giving the original creditor the right to release my information to any 3rd party especially since this is medical related and violation of HIPPA could be involved. 

This needs to be removed from my XXXX credit report immediately while verification is being done.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was charged more than {$6.00} in interest while still bring within my {$0.00} APR period, additional the {$6.00} that I was wrongfully charged was reported as my balance on my credit profile. The {$6.00} has since been refunded however I believe this inaccurate reporting of a balance I should have never been charged with is a violation of the FCRA. <P/>It is important that financial institutions ensure they are not wrongfully charging consumers.

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 2019-07-07
Company: Experian Information Solutions Inc.
State: LA
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:
XX/XX/2016 my computer was hacked and all of my personal information social security number, ID, passport, and account information was compromised. The person opened up accounts in my name and file taxes under my name without permission. I recently pulled my credit report and noticed inaccurate accounts listed.

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 2019-07-07
Company: EQUIFAX, INC.
State: LA
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:
XX/XX/2016 my computer was hacked and all of my personal information social security number, ID, passport, and account information was compromised. The person opened up accounts in my name and file taxes under my name without permission. I recently pulled my credit report and noticed inaccurate accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: PNC Bank N.A.
State: MI
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:
The following are not authorized charged by PNC credit card and have been reported but not resolved yet. 
{$420.00} on XX/XX/XXXX {$220.00} on XX/XX/XXXX {$220.00} on XX/XX/XXXX for the office visit of XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: KY
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:
In accordance with the Fair Credit Reporting Act XX/XX/XXXXAccount # XXXX, and XXXX, has violated my rights. 

15 U.S.C 1681Section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
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:
On XXXX I sent a letter regarding unauthorized inquiries that Im not aware of on my credit report. Over 30 days later I have not received any response yet. I feel like I am being ignored at this point. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items. Its been over 30 days .I demand these unauthorized inquiries to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: MA
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:
The victim discovered on XX/XX/XXXX on her XXXX credit report a fraudulent XXXX  XXXX XXXX XXXX account. The account was opened in XXXX and has been open since then ; this record only appeared on the credit report for the first time 7 year later in XXXX. The report also includes several incorrect addresses, which may or may not be related to the fraudulent account ( see attached statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
These are college loans that been taking out on my credit score and I want it clear up

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 2017-10-04
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have contacted Santander Consumer USA numerous of time regarding my account. I purchased the XXXX XXXX XXXX XX/XX/XXXX. I purchased the car for {$10000.00} ; I made a downpayment of over {$2000.00}, with monthly payments set for XXXX each month. I have had the car 4 years and the balance is more than what I purchased it for. Every payment that I have made went toward interest. The fees were so ridiculous that I had to send in a money order each month to avoid paying an additional fee for using my bank card. I then came into the problem with them saying they have n't received my payments, I ended up having to pay twice for the same month. I then started to making he payments with my card to avoid the problem of them saying they never got the money order, but I was n't able to continue paying the additional fee for using a card. So I sent money orders and they said they did n't get them, but this time I did n't know until I looked at my credit report. it shows that I am past due almost {$2000.00} for 120 days. They did n't call me not 1 time did n't send any letters. I called Santander numerous of times, they basically said there is nothing they can do. That they recently lowered the fee amount for making card payments but regarding the interest and fees I am responsible for those, that my car is up for repossession, and the amount has to be paid in order to remove the repossession order. I called back today XX/XX/XXXX I asked why have n't I gotten any letters, calls, or emails regarding the missed payments. The representative told me that in XX/XX/XXXX my account was sent to XXXX XXXX XXXX and all communications was stopped. They removed my online statements, so therefore I am unable to see what is actually do or anything the information that my online account shows is from XX/XX/XXXX. I called XXXX XXXX XXXX I spoke with one of the lawyers who told me they no longer represent Santander due to the predatory loan practices, they have n't representative them since XX/XX/XXXX, and they do not have any information regarding my account in their system. They never even received any thing from anyone with my name and social. This is ridiculous, Santander is a liar, and a scammer. I will attach the last statement that is on my online account, along with my payment history.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
well first off I am very angry and disappointed that Transunion and XXXX and their fraud department decided to keep reporting a collection that I disputed as identity theft I did my research on the matter and even did what they told me to do which was file a police report to get the account deleted I also filed an complaint with FTC and CFPB and sent all documents to XXXX XXXX XXXX who are the ones reporting this fraud information and I sent these documents to Transunion XXXX XXXX also filing a dispute with them both to but now they are back reporting this fraudulent account, identity theft account saying its a 100 % accurate they are basiclly parroting information not caring about any laws while doing it. Its like they really want to see if you will sue them but trust me i'm ready now this is my last complaint and final notice, and removing inaccurate information is also an admission of guilt I hope they know that. Its like anybody can make up anything about someone and report it to these credit reporting agencies like tranusnion & XXXX and all Transunion XXXX XXXX do is automatically say its yours its a 100 % accurate pay it its nothing you can do about it all the other big companies will agree with us. So we will keep reporting this fraud account and get paid doing it while we force you to still pay on an negative collection account thats not even yours thats Transunion XXXX XXXX for you. I need this XXXX XXXX XXXX account deleted immediately I refuse to risk my freedom reporting a false police report to the XXXX XXXX police department

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 2021-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
On XX/XX/XXXX, My Bank of America credit card was charged {$1000.00} purchase from XXXX  ( came in two transactions {$600.00} and {$400.00} ) which i did not make. I was at work for the whole day and the purchase was made mid-day. The card could have been stolen. I contacted Bank of America immediately so they issued me a new card and open a fraud claim. However, on XX/XX/XXXX, they told me the claim is closed and they won't refund me. There is no way me or anyone I know could have made that purchase so I want it to be refunded.

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: EQUIFAX, 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: Information belongs to someone else

Complaint:
When I purchase a home in XX/XX/XXXX, a XXXX XXXX mortgage for a home I do not own was listed on my credit report. 
I reached out to the bank via phone. They confirmed that this mortgage existed & was incorrectly assigned to me & it would be corrected. 
Last year as I applied to refinance a home, this same mortgage was still on my credit report. This time, XXXX XXXX sent me a letter telling me the account was handles appropriately & they didnt need to take any action. 
I dont see this mortgage if I am checking my XXXX XXXX account, but if the bank pulls my credit, it is there. 
I have tried contacting the credit bureaus, but as it does not show up on my credit, I cant direct them to dispute this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In order to earn new checking account bundle bonus {$300.00}, on XX/XX/XXXX, I opened Free Checking with {$1000.00} deposited and e.Savings with {$50.00} deposited. I am not the current or prior customer of First Citizen Bank. Within 90 days of account opening, I completed 10 debit card transactions before XX/XX/XXXX and also enrolled in eStatements when the accounts were open. 
I contacted the bank by sending the secured message on XX/XX/XXXX but as of today, there's no update of the issue. I am supposed to receive the bonus within 120 days after all qualifiers have been met. However, it's been 177 days and almost hits 180 days next Tuesday since the accounts were open. Both of my checking and saving accounts ' balance are still have more than {$550.00} as of today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-29
Company: Risecredit, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The Inquiry was made on XX/XX/2017. The amount was {$5000.00}. The interest is at 58.81 % and i was going through a tough time. I have paid all the interest on the loan and cant get a logical reasoning on why there is not a settlement option or even a refinance option. The only answer that i receive is that " Everything is automated and the system lets us know when you have those options '' I need to speak with someone who can make those decisions. I have about {$3700.00} dollars in interest and still have a balance of almost {$4000.00} left on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Self Financial Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Tried to contact credit bureaus to resolve and dispute item that was not mine, but I have had no luck. I also tried to get the addresses removed that do not belong to me and they have refused to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: AES/PHEAA
State: WA
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:
Ten years ago, I started paying my direct federal student loans ( both subsidized and unsubsidized ) under the income-based repayment plan, as required by the terms of the Public Service Loan Forgiveness program. At this point I worked for a not for profit organization, after graduating from medical school with {$200000.00} in student loans. 

Two years ago, I realized that my payment count towards the PSLF for the subsidized loans were different than the PSLF payment count unsubsidized loans. This seemed odd because all payments made in years prior were always split between unsubsidized and subsidized loans, so how could the tally be different. 

At this point, XX/XX/XXXX, I filed paperwork to have this information reviewed. It is XX/XX/XXXX, and after a dozen phone calls over that time period I have yet to have an answer. I am at just about at 10 years and need to file my loan forgiveness application. Each time customer service says the same thing. 

Im getting tired of not being able to get answers so I can take care of whatever needs to be done to get this loan reviewed. We waited to have a family and have put off other plans trying to wait for this to resolve. The unknown makes it hard to plan major life decisions. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 2017-10-04
Company: Experian Information Solutions 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:
Dear XXXX File Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how its affecting my ability to work etc. 

Sincerely,

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 2017-10-03
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:
i do n't know the actual dates of the reposition on my credit but im wanting to get that removed since ive never had a car of my own at the time it was established, i know that it was before i was XXXX and i found out about it after i tried to apply for a credit card, i got a letter saying i had a whole bunch of accounts and credit cards. my fathers stuff is on my account and i would want to get it removed since we have the same name and its effecting my credit.

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