BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-26
Company: CITIBANK, N.A.
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:
Hello my name is XXXX XXXX and I started my first credit card account in XX/XX/XXXX of XXXX with XXXX. I have gained my 2nd credit card in XXXX of XXXX with XXXX. I checked my credit report just recently to see my hard inquiries and come to find out there is the XXXX inquiry which is correct but also come to find out there is a hard inquiry that is much older from a bank or institution that I completely don't recognize. This inquiry ( CBNA ) was made ( XX/XX/XXXX ) even past months before I even started my first credit card account with XXXX. I would highly appreciate you helping me removing this unrecognized inquiry from my credit report. Thank you and may you have a great day. 

Creditor Contact Details : XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I've tried to remove the incorrect address 's off my credit report for quite a while but they are still showing. There's address 's that are a result of identity theft.

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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Some inquiries pop up on my credit report that I did not do or apply for it was fraud I would like to dispute them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all of these are fraud I would like it removed please

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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of Identity theft. 
These accounts listed below are fraudulent : XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX. 
{$2000.00} XXXX XXXXXXXX {$2500.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$11000.00} These accounts were made. I file a police report when my identity was stolen and I have a DC number attached. 
XXXX XXXX XXXX  XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I received a letter in regards to a consumer auto transaction dating back to XX/XX/2021. In the letter it states what was in the retail installment sale contract and how much the remaining balance was of the open charged off account. Many of my consumer rights are being violated in this contract and the information is completely wrong. This debt is completely alleged ; the name of the person on the contract is not mine. My first name is XXXX, not XXXX and the address is not where I live. According to 15 USC 1692e ( 2 ), a debt collector may not use false or misleading representation to collect a debt. Chrysler Capital are trying to collect on a debt that is not mine. This is identity theft and identity theft is also a violation of my consumer rights. The finance charge in a contract is the sum of all charges, pursuant to 15 USC 1605 so how could someone owe anything if the credit extended was theirs? As long as the contract was signed the credit was extended. As a signer or co-signer, the person who extends credit is the original creditor. The original creditor is the natural person. Chrysler Capital is using chicanery to collect on an account by all means. I would like this situation to be handled immediately because my livelihood is being destroyed.

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

Complaint:
There are some accounts on my credit that I don't recognize. Please remove them. 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 2019-11-11
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I can not get them to tell me the correct number of payments I've made toward Public Service Loan Forgiveness. I have two " loan sequences '' that should reflect an equal number of payments, but one sequence is one payment off from the other. A couple years ago they were 7 payments off from each other, and their " review '' resulted in that narrowing to a one payment discrepancy. At that time I had tried to get them to resolve it for over a year and they failed to do so. I filed a XXXX   XXXX  XXXX  complaint and they finally addressed it but instead of a 7 payment discrepancy, there was one. I have been trying to get them to correct this one payment  discrepancy since XX/XX/XXXX, so 13 months now. These are notes of my attempts to get an answer, including employee name and number : XX/XX/XXXX : XXXX XXXX, She said she will send back to processing for review and it will take 3-6 months. XX/XX/XXXX : XXXX - XXXX - no turn around time, up to one year to complete review, no guarantee about timeframe ; are backed up. XX/XX/XXXX : received letter that showed 86   qualifying payments on one sequence ( other sequence from last count said 85, so problem still not resolved ) XX/XX/XXXX : I called and spoke with XXXX XXXX - said something about overpaying by penny throwing off the count. He said he would have someone review it and get back to me through another letter. XX/XX/XXXX : XXXX XXXX - Matter is under review for an indefinite period of time and I will be getting " a detailed letter and phone call '' with the results of this new review. XX/XX/XXXX, XXXX - XXXX XXXX XXXX : One payment discrepancy still under review. Continue to submit employment certifications. XX/XX/XXXX, XXXX : I emailed asking them to provide an update on my request to have my number of payments discrepancy sorted out so I know how many qualifying payments I have made. XX/XX/XXXX, XXXX : I received a reply email stating, " We apologize for not yet being able to provide you with the number of qualifying payments made toward Public Service Loan Forgiveness ( PSLF ). Since each account must go through a detailed review process, providing you with these details can sometimes take a great deal of time. '' As of XX/XX/XXXX monthly billing statement, the discrepancy lingers, showing 98 qualifying payments on one sequence and 97 on the other ( see attached statement ). A couple days ago I filed another XXXX complaint, and today received a response from the XXXX that they can not assist, and directed me to the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03
Company: Meridian Financial Services, Inc.
State: MD
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:
We have been contacting XXXX XXXX for over a year about cancelling our contract with them. They used very deceptive tactics and the terms described to us in our contract with them havent been met. To add salt to the wound, they have sent our account to Meridian Collections. We never agreed to work with a collection agency and didnt know this was a possibility. This has severely impacted our credit and led to personal issues. We do not have the funds to pay XXXX or XXXX. My wife and I have had our hours reduced at work, so our income is a fraction of what it once was. This ordeal has led to us splitting, so were also managing our own household bills now. 

Meridian needs to cease their collection efforts and XXXX needs to cancel this horrid contract.

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 2021-09-22
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
Improper use of credit. There is a unauthorized inquiry that I did not consent.

Inquiry needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: EQUIFAX, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
Hello, I applied for an auto loan through XXXX XXXX XXXX XXXX on XX/XX/XXXX and they pull from Equifax and was denied because they were unable to pull my credit report from Equifax. I called Equifax yesterday XX/XX/XXXX and confirmed all of the information was correct on my credit report ( ie name, address, and social ), then I tried again and they were still unable to pull my report. Then I called Equifax again and they said that there was a fraud alert on my account that may be preventing the lender from pulling the report. I had that removed and tried again. They were still unable to pull my report. Then I called Equifax back and they asked me to send a picture of my ID and Social to verify all of the information which I did and then I called and they said there were no blocks, freezes, or fraud alerts and everything matched. I called again today and they XXXX XXXX  was still unable to pull my report. Equifax isn't being very helpful at all and costing me being able to get a better interest rate on an auto loan because there system is messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Experian Information Solutions Inc.
State: TN
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 account is still on my credit report from the original creditor even though its is stated in the comments that the account has been sold to another lender. The original company and the credit bureaus are giving me a very hard tome with getting this account off of my credit reports and this is very unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Opened a brokerage account with Charles Schwab on XX/XX/20 account number ending in XXXX, I was then locked out of this account online when I attempted to login after setup account online with user id and password. I received confirmation email confirming accounts have been activated and setup. I then contacted Charles Schwab on Saturday XX/XX/20 to link account to my bank account for transfers. I contacted XXXX a customer service representative for Charles Schwab at XXXX XXXX is based in Texas. XXXX said the account needed verification, because I used my business federal tax id number, however Charles Schwab needed my social security number. I gave XXXX this information and he setup the account and provided access to my Charles Schwab account  ending inXXXX, and XXXX. I then linked my XXXX XXXX account information to complete an initial transfer to link accounts. All my personal information was linked and shared with Charles Schwab,  I was never told that a credit check needed to be completed before setting up, or establishing a broker account, or high yield checking account. XXXX confirmed everything looked good and I would receive my checks and visa within 7 days. I received a confirmation email for both accounts. On Tuesday XX/XX/20 I attempted to logon to my brokerage/high yield checking accounts. but was locked out, I then contacted Charles Schwab and spoke with XXXX and customer service and XXXX and tech support who said I was denied through XXXX XXXX, I filed a complaint with FINRA XXXX, I was not told or asked to run a credit check to open a broker account which was open separate from high yield checking. I went online to verify which information that was reported on me but was denied access through XXXX XXXX automated systems. I was transferred to a woman in XXXX that requested my drivers license and social security number. I was still not told any verifiable information. My consumer and credit rights were violated by Charles Schwab and XXXX XXXX. I have a credit freeze on my credit file. I was lied to and manipulated by Charles Schwab to  provide both my TIN and Social Security Number and then denied a broker account after linking my checking account to their systems.

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 2019-03-09
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
There is no option on the website for when I make an over-payment to have it not advance the due date. So every time I try to apply the payment to the principle it goes toward the next months amount owed. I have called several times now. The last time i called they forced me out of auto debit stating that they could fix it if I was not auto debited. It has been 13 days since then and nothing has been fixed. I owe more money in intrest now that im out of auto debit and they have still not fixed the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
State: TN
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 account is still on my credit report from the original creditor even though its is stated in the comments that the account has been sold to another lender. The original company and the credit bureaus are giving me a very hard tome with getting this account off of my credit reports and this is very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive ask Experian to validate the debt and/or an affidavit of truth yet to no avail.

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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-03-18
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I didn't receive the XXXX miles for the latest three billing period, and welcome bonus miles as well, since I have reached the spending requirement two months ago. 

I also contacted customer service via chat, they confirmed that the regular purchases earned miles and the miles from welcome bonus was pending. I should expect to see the miles on my XXXX account by XX/XX/2022. 

The welcome offer : 75,000 bonus miles after {$3000.00} or more in eligible purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30
Company: SOUTHSTATE CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had an online banking acct with south state bank for years buisness acct and during covid my acct was overdrawn but I never opted in for overdraft and I don't use checks it keeps me out of trouble this way but for some reason my bank decided to let my acct overdraft unknown to me and then close it .I went and paid the outstanding amount and they said would clear it up in about a week well it's been a couple of months now they have led me on to believe that it would be ok but come to find out later I'm in XXXX XXXX jail and I'm trying to deposit money there from a small business eidl loan and now I have no where to send it so now after waiting almost a year and half to get help from XXXX I'm back at square one .I called XXXX and filed a dispute and all they did if they even did this was call the bank and ask them if they were correct in doing this and of course the bank said yes .so I've been told to go here and there and back here in a runaround .and XXXX knows anything or can help just points finger elsewhere .my point is I never opt in for overdraft my understanding is that if the money is not there I can't spend it so why now did they do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: DISCOVER BANK
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I went onto the court docket to confirm a court appearance for a unrelated speeding ticket when I became aware that this Law Firm had filed a lawsuit. When I obtained a copy of the Return of Service, it said I had been personally served with the documents on a date and time that was not true. I was at work during this time and my home security videos dont show anyone attempting service. I contacted the Law Firm and Process Service Company to inform them that I had never been personally served and explained that the process server had lied on the Return of Service. A couple of weeks later, this Law Firm then filed an Amended Return of Service with the same incorrect date and time of service only changing the signing date so that it could meet the 14 days before hearing requirement. Again, I was never personally served. Under Colorado Simplified Procedure, service must be made 14 days before the hearing date and service must be done in person. I contacted the Law Firm and Process Service Company again explaining that I had not been served and that this was the second time they provided false information under perjury. Now I wonder how many default judgments has this Law Firm obtained by lying about service and people have no clue a lawsuit even exists. I have been professional with both companies and requested that this false information be corrected. To date, there has not been a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Experian Information Solutions 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:
I AM A VICTIM OF IDENTITY THEFT. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY PROFILE. SOMEOE HAS STOLEN MY INFORMATION AND OPENED SEVERAL ACCOUNTS WITHOUT MY KNOWLEDGE.

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