BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-16
Company: EQUIFAX, INC.
State: PA
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 have sent the sent the credit bureaus 4 letters advising them of issues with the reporting and each time it has come back verified ... .how can a debt be verified when the reporting is innacurate? this is a violation and i would like this account deleted immidiately i have attached a letter stating that the date i opened the account, the balance, the charge off date, and date of last payment and you will see how inaccurately the credit bureaus are reporting this violation. I have also attached a copy of my credit report so that you see the discrepancies in the reporting the account was opened XX/XX/XXXX the balance is {$9000.00} the charge off date is XX/XX/XXXX and date of last payment was XX/XX/XXXX XXXX  is reporting date opened XX/XX/XXXX the incorrect balance of {$9000.00} the incorrect charge off date of XX/XX/XXXX and the date of last payment of XX/XX/XXXX experian is reporting the inaccurate date of open of XX/XX/XXXX the incorrect balance of {$9000.00} the incorrect charge off date of XX/XX/XXXX the date of last pay of XX/XX/XXXX equifax is reporting the inaccurate date of open of XX/XX/XXXX the incorrect balance of {$9000.00} the incorrect charge off date of XX/XX/XXXX the incorrect date of last pay of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX Equifax and XXXX has lowered my credit score by XXXX points during the late XXXX and XXXX XXXX months. The Credit Bureaus has altered my score with the information that my XXXX loan was scheduled for repayment back in XXXX. When actually I don't have a schedule repayment until XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-03-01
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. there are items in my credit file that are misleading and erroneous and must be removed or blocked. The items I am questioning do not have any affiliation with me or my transactions. Here is the list of items that do not belong to me or were opened without my permission. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In 2XXXX, I did a consumer credit transaction with XXXX XXXX XXXX XXXX, a dealership in XXXX, and extended my credit through Santander USA. Recently, I have become aware that as the original creditor, who extended my credit, using my credit card ( SSN # ), pursuant to 15 USC 1602 ( L ). 
Pursuant to 15 USC 1605 ( a ) the finance charge, {$3400.00}, should be the sum of all charges. According to the billing error, my account was over charged {$9800.00}. See exhibit A from the dealership copy of their response when I notified them that they committed fraud against me, the consumer. This is completely inaccurate and unfair credit card practice and Santander is undeniably going against the TILA ( Truth In Lending Act ). 
Finally, I was never given the 2 forms of recission should I have wanted to cancel the loan, according to15 USC 1635 ( A ) ; REG Z 226.5 ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-03-01
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted XXXX on many diffrent occasions and nothing has been done about the fraudulent inquires that are on my credit reports I have sent them detailed information such as police reports, FTC reports and nothing has been done the Inquires need to be removed due to the I have disputed these inquiries as lacking permissible purpose and being unverified, yet you have failed to respond within the 30 day period allowed under the FCRA. As I have previously stated, I contacted the companies myself and have been unable to get them to verify that they possess any evidence of permissible purpose or authorization to check my credit these inquest need to be removed as they are fraudulent inquires [ 15 U.S.C. 1681 ] these need to be blocked from 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 2020-04-28
Company: AMERICAN EXPRESS COMPANY
State: TN
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:
American express had opened four credit cards since XXXX for XXXX XXXX XXXX and my company had financial problems since XX/XX/XXXX and then came in the tornado flooding my rental property. 
THEN cAME IN COVID -19 epidemic and we had a stay at home order by the city and asked to shut down our operations. 
I have a payment on XX/XX/XXXX and in XXXX they put it on my personal credit where as these were my business accounts- XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting 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 list of of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXX DEPT OF ED/XXXX XXXX XXXX 15 U.S.C. 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. 1681 C ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2022-02-26
Company: MIDFIRST BANK
State: AR
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 have an FHA mortgage with Midland Mortgage and utilized the Covid relief program. I also applied for assistance with federal funding through the Arkansas homeowner assistance program. I was approved in XX/XX/XXXX and advised the mortgage company. After numerous calls to the servicer, they found the document dated XXXX in XXXX to authorize wire transfer of funds. XX/XX/XXXX transfer of {$16000.00} was made to the servicer. On XX/XX/XXXX, the servicer reported an increase to my mortgage balance of {$11000.00} to the credit bureaus. After numerous calls and emails the servicer finally " found '' the funds on XX/XX/XXXX. Those funds have just begun to get allocated to my mortgage on XX/XX/XXXX. I filed a dispute about the credit reporting with XXXX, but they verified the posting as accurate. Numerous requests to the servicer to correct credit reporting or explain fees added to the mortgage have gone unanswered. My mortgage payment has been increased due to an escrow shortage, which by their own mortgage statement should not exist. It appears a mortgage payment in that amount is expected on XX/XX/XXXX. I received certified letters on XX/XX/XXXX about foreclosure proceedings.

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 2022-02-26
Company: EQUIFAX, INC.
State: CT
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 started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2020, with follow ups disputes each month and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible. 

I SENT A POLICY REPORT AND THIS COMPANY IGNORED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I've been attempting to link my debit card ending in XXXX to my Bluebird account, I've received an error message stating to call customer service. This error has persisted over several days now, customer service reps have given me three different answers for error message. Answers include, I need at least a dollar for processing fee to link card, my balance was at XXXX at that time ... Two other answers include there is a system error/that part of site is down, this is as of yesterday, XX/XX/XXXX ... .Third answer is that my bank is declining transaction, the error is on their end ... .Ive called my bank, they are not denying it and show transaction as posted then refunded back.. I called yet again earlier this evening, was told there is actually a block on my account preventing adding funds via debit card. The only reason I can think of for this is that I am currently disputing two items from XXXX on XX/XX/XXXX, for fraud, XXXX will not investigate on their end and keep referring me to Amerex. I do not see what the investigation has to do with me adding funds via debit card and or why there is a restriction on account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX reporting inaccurate XX/XX/2023 late payment. Per CEO of the creditor XXXX XXXX my account will be update accurately as paid as agreed/no late payment. The payment was received instore on time.

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 2023-11-02
Company: EdFinancial Services
State: OK
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:
I have already filed this exact complaint with them twice now originally on XX/XX/23. Ed Financial is my new student loan servicer and has either not calculated my student loan payments correctly or not all of my spouses information transferred over from the previous loan servicer. My husband and I have always been on the Income driven repayment program and my husband has significant student loan burden ( $ XXXX ) that I do not believe is being taken into consideration when calculating my payment for the New XXXX plan at this new loan servicer. My husband 's payment through the XXXX plan is only $ XXXX for his entire $ XXXX debt. So how it does not make sense to me that mine is well over $ XXXX. I have no income and thus rely on my husband 's income for myself and my daughter. The calculation is obviously wrong and I need someone to fix it because I can not afford to pay that much each month. The issue is that I can not seem to get any agents from Ed Financial to answer the phone or give me the correct form to fill out. I have been trying to call for weeks and the hold times are consistently XXXX MINUTES!! I have recording proof of these extreme hold times. Once I finally made contact with a representative she informed me that Ed Financial does NOT calculate the payments that it is calculated by the federal government so she would send me the form via email to have it recalculated. WEEKS later, still have no form. I've checked spam folders, tried searching for it. I do not believe it was ever sent to me. I'm extremely frustrated with this entire situation. I've tried searching on the website and went through the recalculation questionnaire, but it does not ask about spouse student loans unlike my previous servicer did, if I am remembering correctly. I've also tried the chat function that does not work. What am I suppose to do if I can not get anyone on the phone from this company to send me the correct form to fill out and I can not get my monthly payment recalculated correctly?

Company response to consumer: Untimely response
Consumer complaint received 2021-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XX/XX/2021 I deposited a check from a law firm drawn off of Bank of America into my checking account. The check was # XXXX for {$4300.00}. At the time of the deposit into the ATM, Bank of America issued a receipt stating the funds would be available no later than Monday, XX/XX/2021. That same day, the Bank updated the hold date to XX/XX/2021. The Bank later restricted my account for no apparent reason, directing me to Risk Management which told me my account was scheduled to be closed because they couldnt verify my identity. I have filed a separate CFPB complaint regarding the closure of my account, which was not merited. 

First, Bank of America failed to communicate with me in anyway whatsoever that they needed to verify my identity. When I opened the account online, I submitted all my information and received a confirmation email stating it was approved. I later received my debit card in the mail. I have received nothing asking me to verify my identity otherwise I would have gladly done so. Bank of America does not use reason and cognizance when making business decisions. Without telling me what I need to do, they restricted my account. 

Additionally, the above mentioned check has now been placed on hold until XX/XX/2021 at XXXX am. Bank of America complete disregard for facts and logic is concerning. This Bank is harming innocent customers without any consequences. The check I deposited has already cleared the account it was written on and I received proof from the law firm which issued the check. The Bank is abusing its position of power, and putting consumers like me at risk. 

I will consider any and all legal options available to me to redress this situation.

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 2023-12-05
Company: BMW Financial Services NA, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My brother passed away on XXXX XXXX. I am the Executor of his estate which is insolvent. He had a BMW with a loan on it from BMW Finance. He owed less than the car is worth based on XXXX so that was positive. However, my estate lawyer told me I should not pay creditor bills like the BMW loan out of creditor order. His estate only had enough money to pay for his funeral, the estate lawyer and some of his taxes. So I didn't make loan payments to BMW Finance out of the estate. 

On XX/XX/XXXX of XXXX a tow truck showed up at his widow 's home and repossessed the car. I called BMW Finance to see what could be done and they told me not to worry that they will use a local dealer to sell the car at market value and send the estate the proceeds that are badly needed. I was relieved. Now it has been five months and the car has not been sold. BMW Finance said it is sitting at the XXXX XXXX and they have no date set to auction off the car. Meanwhile, I can't pay the bill or resolve his estate and meanwhile the value of the car is declining with age. BMW Finance has been completely unresponsive in terms of their plans and the need to sell this car. Nobody cares. My brother 's widow could use this money to pay their back taxes so I am letting her down as Executor of the estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
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:
I recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. Equifax & XXXX  did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: MD
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:
After obtaining my credit report from XXXX, it has many errors to date. On XX/XX/2022 I mailed them a letter containing the inaccuracies on the report that their company furnishes. As of today, I am currently requesting correspondence from this company, since they have failed to remove the errors, and inaccuracies on my consumer report. They have also failed to furnish any Affidavit, letter, or form that I even gave them permission to create and furnish this consumer report. 

As of today, I have been violated as a federal protected consumer in pursuant with 15 USC 1692 ( j ) 15 USC 1666 ( b ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( i ) ( d ) ( 2 ), The accounts that are being reported as " derogatory accounts '' have not been verified, and currently are inaccurate, as well as all alleged

Company response to consumer: Closed with explanation