BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-25
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX the car was purchased. On XX/XX/XXXX the first payment was made. On XX/XX/XXXX was the first payment due. A total of 16 payments have been made. The next payment should be due XX/XX/XXXX. I have attached the evidence showing the original date due for XX/XX/XXXX. After I requested the revisement they sent me a new payment due of XX/XX/XXXX which also has been attached. I have attached both the original date and the adjusted date both are incorrect. The correct date should be XX/XX/XXXX. So two payments are missing after adjusted request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
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:
I recently pulled my credit report and saw items that i didn't approve of neither do i recognize these items. I have reached out to the FTC and my local police department and I am doing this on my own behalf. I still need these items to be removed from my credit report. XXXX XXXX XXXX. XXXX XXXX, XXXX/XXXX, XXXX, XXXX XXXX XXXX, US DEPT ED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: ONLINE Information Services, 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:
I contacted Online Information Services ( OIS ) repeatedly about the misinformation that OIS has provided to credit reporting agencies. I have contacted them numerous times on the phone as well as by sending them written letters over this incident. They deny that they have provided incorrect information to the credit reporting agencies and they have failed to correct the misinformation on my credit report. 
The main problem is how an alleged debt has been listed on my credit report by OIS. Normally, when an alleged debt is disputed by the consumer, the debt collection agency should list the credit account 's status as " disputed ''. By doing so, the credit score is unaffected by the disputed debt.

However, OIS did not list the credit account 's status as " disputed ''. Instead, OIS listed the debt 's status as " valid '' and simply added the remarks, " Dispute resolved ; customer disagrees ''.

This is not the same thing. By listing the alleged debt as valid but only adding remarks, the debt has severely damaged my credit score.

I have notified OIS repeatedly over the phone and via written letters that I dispute the alleged debt and that the credit account 's status is being reported incorrectly. Nevertheless, OIS has failed to contact credit reporting agencies and update the credit account with the correct status.

As a result of the misinformation provided by OIS, this disputed debt has severely hurt my credit score. Before OIS 's report, my credit score was about 850. Afterward, my score dropped down to XXXX. By law, OIS must correct any inaccurate information that they have provided to credit reporting agencies. OIS knows that information on my credit report is a mistake but they have failed to correct it. I have called them repeatedly OIS about their mistake and they fail to correct the misinformation.

Why does OIS list the incorrect status of a credit account? The most likely reason is that a properly disputed debt would have no effect on the consumer 's credit report. However, by listing the disputed debt as valid, OIS knows that the consumer 's credit score will be hurt. As a result, the consumer will be more likely to pay the debt even if the debt is invalid.

OIS has informed me that it is their standard procedure to deal with all of their alleged debts in this manner. This demonstrates that they not only have incorrectly reported my disputed debt but also have probably incorrectly reported numerous disputed accounts with other consumers. This may have resulted in unfairly damaged credit scores of thousands, perhaps millions, of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: WELLS FARGO & COMPANY
State: IL
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:
Their customer service would not help and take care of the negative inquiries reporting to my 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 explanation
Consumer complaint received 2019-07-09
Company: Experian Information Solutions 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 GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. 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 non-monetary relief
Consumer complaint received 2020-05-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DC
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:
Portfolio Recovery Associates is using a wrong postal address as my personal address in XXXX Va. They responded to my complaint disputing their claim that I owe a debt to XXXX XXXX, which they purchased. They stated the debt bought from XXXX XXXX was a delinquent credit card. I never had a credit card account with XXXX XXXX  or XXXX XXXX. Moreover, Portfolio is reporting the debt to XXXX  as originating with XXXX. I did not have any credit card account with XXXX either. XXXX and XXXX are not the same bank. In Portfolio 's response the last 4 digits ( XXXX ) of a credit card were presented as proof of the existence of an account. I want the full account number, the dates of the charges, and to whom, and the last payments made on the account and the beginning and ending balances at the time. Portfolio claims a charge was due of {$190.00} on or about XX/XX/2019. If Portfolio has the original records they would have exact dates and amounts of the original charges and the dates of the charges, as well as to whom the charges were made. Without more definitive information the charges are baseless and must be removed. The information given by them is an amalgam of disparate information that does not verify the existence of a bona fide account attributed to me..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My mortgage company double charged me and now are attacking my credit with past due every month hurting my credit score. Also, I told them I was laid off for Covid and they still keep hitting my credit score every month. I even went so far as to say put it on the back of the loan and stop hitting my credit score every month.

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
On XX/XX/2022, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and sdsay it's mine. According to the FCRA, 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 as a consumer and I am requesting legal action to remove this account immediately.

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 2021-06-11
Company: Credit Control, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
( Credit control LLC ) at ( XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ) has been sending me collection notices in the amount of ( XXXX ) and ( XXXX ). The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

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 2021-06-11
Company: Ability Recovery Services, LLC
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: Old information reappears or never goes away

Complaint:
I tried to attend an online education program back in XXXX by XXXX XXXX. After like 3 weeks I felt the program was a waste & advised them to close my account. Well the account ended up in collections in XXXX. I don't know if this even is the same company that tried collectiing before or a different one. This collection company that this debt was sold to is reporting it as a new debt opened up in XX/XX/XXXX. This is not the case. Maybe that's the day they acquired the debt but the debt is approxiatemately going on 3 years old. I've disputed the accuracy of these dates on my credit report multiple times to no avail. I have not received any proof as to when this account was closed and/or opened by Ability. Both XXXX XXXX & Ability have multiple complaints against them on the XXXX  website about their collection antics! I want the correct dates on my credit report as to when this acct went into collections not when it was bought & sold to a collection agency! XXXX XXXX will be my next complaint.

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 2019-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Their customer service would not help and take care of the negative paid to delete settled account reporting to your credit report. When agreed to have removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I was selling furniture online and some claimed they anted to purchase a good amount of the furniture. They said they're company who was forcing them to move to my state for job relocation was going to pay me fore the furniture he wanted. I deposited teo checks, 1 for {$2500.00} and another for {$1700.00}. The next day the money posted to my account and the individual told me to send the money via XXXX payments to their moving company to pick up the furniture he was buying from me. After making the XXXX payments for the the amounts of the checks totaling in {$3700.00} the checks bounced the next day! I am now negative the amount described before {$3700.00}. I then called my bank, Bank of America and submitted claims for all XXXX payments with the fraud department. 3 weeks later I received a notice from abank of America stating they were unsuccessful in reversing the XXXX  payments and can do nothing to help me further.

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 2019-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
IN XXXX WE PURCHASED OUR HOME FOR {$510000.00}. THE LOAN WAS ORIGINALLY UNDERWRITTEN BY COUNTRY WIDE BUT THEN TRANSFERED TO BANK OF AMERICA. ITS COMPOSED OF TWO LOANS, 30 YEAR FIXED AT {$410000.00} AND A INTEREST ONLY LOAN ( APPROX. 8.7 % ) FOR {$100000.00}. SHORTLY AFTER WE SIGNED THE RECESION HIT. IN XXXX WE ATTEMPTED TO REFINANCE BOTH LOANS INTO ONE BUT WE WERE DECLINED DUE TO OUR HOME BEING UNDER WATER ( LESS VALUE THEN WE OWED ). WE HAD NO CHOICE BUT TO REFINANCE THE FIRST LOAN TAKING ADVANTGE OF THE LOWER INTEREST RATE. TODAY, XXXX ( 12 YRS LATER ) WE ARE STILL UNABLE TO REFINANCE AS OUR PROPERTY REMAINS UNDERWATER ( ACCORDNING TO ASSESSMENT PERFORMED IN XX/XX/XXXX ... VALUED AT {$410000.00} ) IN XXXX, XXXX OUR SECOND LOAN WILL BALLON AND WE WILL BE OBLIGATED TO PAY THIS IN FULL. I HAVE CONTACTED BANK OF AMERICA SEVERAL TIMES EXPLANING OUR SITUATION BUT TO NO AVAIL. WE'RE NOT ASKING FOR A DISCOUNT OR A DECREASE IN WHATS OWED WE'RE SIMPLY ASKING FOR FAIR TREATMENT AND THE OPPORTUNITY TO REFINANCE BOTH 1ST AND 2ND MORTGAGES TOGETHER ( ONE PAYMENT ). WE HAVE EXCELLENT CREDIT AND INCOME. WE ARE IN GOOD STANDING WITH BANK OF AMERICA XXXX NEVER MISSING A PAYMENT ). THE CAUSE OF THE RECESSION IS FARILY COMPLEX AND DIFFICULT TO UNDERSTAND BUT IT CERTAINLY WASN'T THIS FAMILY WHO CAUSED BUT YET WE'RE BEING PUNISHED. WE WERE GIVEN A LOAN FOR {$510000.00} AND WE ARE WILLING AND ABLE TO PAY {$510000.00} IF BANK OF AMERICA CAN JUST HONOR THIS SIMPLE REQUEST. ALLOW US TO REFINANCE OUR 2 LOANS INTO ONE SO THIS FAMILY CAN MOVE ON ...

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 2019-07-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to the bank to get a business loan for my restaurant and was not able to get approved. I was told where I can go and pull a copy of my report and I still see other peoples accounts on my credit. I have reached out to the FTC and my local police department and I am doing this on my own behalf. Again can you all please remove these accounts so I can get the loan needed to get equipment. XXXX XXXX XXXX. XXXX XXXX/XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: MO
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:
Upon intense inspection of my credit file I found a total of SEVENTY-ONE ( 71 ) errors and therefore SEVENTY-ONE ( 71 ) violations Experian made against me. Proof of these errors/violations has been attached to this CFPB Complaint. These violations include but are not limited to ( as compared to other consumer reporting agencies XXXX XXXX XXXX I am distressed that Experian had included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that credit reporting agencies ONLY report 100 % accurate credit information. Therefore every step must be taken to assure the information reported is completely accurate. The following information therefore needs to be re-investigated. 

Experians failure to positively verify these accounts HAS HURT MY ABILITY TO OBTAIN CREDIT AND I AM DISTRESSED. Under the FCRA, unverifiable accounts MUST be removed and if you are unable to provide me a copy of verifiable proof, you MUST remove the accounts listed below : I demand that the following accounts be VERIFIED or REMOVED immediately : 1. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX XXXX  Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 2. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX XXXX XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT XXXX. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX XXXX XXXX XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 4. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 5. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 6. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXXXXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 7. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY 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 2019-07-09
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: Information belongs to someone else

Complaint:
I went to the bank to get a business loan for my restaurant and was not able to get approved. I was told where I can go and pull a copy of my report and I still see other peoples accounts on my credit. I have reached out to the FTC and my local police department and I am doing this on my own behalf. Again can you all please remove these accounts so I can get the loan needed to get equipment. XXXX XXXX DATA. XXXX  XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX, XXXX XXXX, XXXX AND 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 2018-06-04
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: Account information incorrect

Complaint:
I notified Transunion on XX/XX/2018 that they misreported inquiries. Which they refused to remove. I also informed them my date of birth was incorrect & provided ID

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 2021-06-11
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
my car was repossed by a third party whom I never gave written or verbal consent sent a demand for validation under 15 usc 1692g no response I never recieved a letter of reposseion I never got information on when and where they car was being sold and how much the car was sold for also under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity.

Company response to consumer: Closed with explanation