BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Commonwealth Financial Systems, 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: Old information reappears or never goes away

Complaint:
This company is re-aging this medical debt. It is over 5 years old. They removed it and reported it as occurring XX/XX/XXXX. This is false information. 
Creditor : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Original creditor XXXX XXXX XXXX   XXXX XXXX  XXXX. 

Correct date of service is XX/XX/XXXX. Reported as XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: TD BANK US HOLDING COMPANY
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
TD bank denied that some charges on my son 's credit/debit card were fraudulent.I tried to resolve it with them and show that my son was at school or asleep when the charges occurred. The total amount is $ XXXX.They said they would send documentation but they did not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On or around   XXXX   XXXX   XXXX     someone stole my Bank of America prepaid debit card. Someone stole my wallet in  XXXX   XXXX , CA. I never let anyone use my debit card before. There are no authorized or joint users. I never wrote my PIN on the debit card. I reported my debit card lost promptly to Bank of America.  <P/> I was told by a Bank of America representative someone stole about {$400.00} from an ATM at a credit union. I do not bank with any credit unions and I have no history banking with a credit union. I have no history using non-Bank o f America  ATM 's to make withdrawals ; so I can avoid non Bank of America ATM fees. I told the B of A representative I did not authorize that transaction.  <P/> In less then 10 days, Bank of America closed their investigation and refused to give me back my money. They also refused to give me provisional credit. They said there was no evidence of fraud. I told them all they have to do is look at the  Credit Union  's ATM surveillance cameras to see who the suspect was and that I am willing to help identity the suspect. Bank of America said they do n't have access to non-Bank of  America  ATM 's and can not look at th e Credit Union 's A TM cameras.  <P/> I asked if they made a good faith effort to call th e Credit Union t o ask for their surveillance/ cameras. Bank of America said  " No ''.  The ATM cameras will simply show whoever stole my money was obviously not me. This makes Bank of America negligent in their investigation.  <P/> I requested a re-investigation and I faxed a copy of my Federal Trade Commiss ion Affidavit/ t heft report. Bank of America closed the second investigation before receiving my  FTC Affidavit. (  I told them I would be faxing the FTC rep ort withing 1-2 busi ness days ). This further demonstrates Bank of America is negligent in their investigation ; and are not making any real effort to prove theft.  <P/> Bank of America is in violation  of Federal Regulation E, ac cording to the terms and agreements they sent me stating : " The cardholder will not be responsible for any fraudulent and unauthorized transactions. '' But this is not what the bank is actually enforcing which is misleading and against the law.  <P/> Bank of America made no real effort to prove fraud, and I believe they have an all to common practice closing out investigations early and not actually investigating much of anything.

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 2021-08-06
Company: Santander Consumer USA 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: Old information reappears or never goes away

Complaint:
I was a part of a multi-state class action lawsuit against Santander who operates as Chrysler XXXX. I was paid out for their gross negligence and was told that the problem would be resolved on my credit report, as to date, if has not. They inaccurately reported my loan as late on XXXX when the loan was paid in full in XXXX. The law suit should have resolved this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: Experian Information Solutions Inc.
State: IL
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 submitted an electronic dispute for various incorrect information and accounts on my consumer report with experian on  XXXX / XXXX / 17 . I received an email on  XXXX / XXXX /   17  saying that the investigation was complete and nothing was corrected on my report. They clearly did n't try to contact the companies that were disputed for updated information in such a short time. I have contacted the other bureaus about this same issue and they have deleted the errors. I am being negatively affected by experian 's negligence and I am facing significant financial repercussions due to this false information in my report. Dispute #  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 2021-05-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/2021 and XX/XX/2021 I sent factual disputes with proof showing this inaccuracies in the date opened, high credit limit and the comment section.They updated this with the same errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: Diversified Consultants, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notice from Diversified Consultants, Inc dated XX/XX/XXXX ( received XX/XX/XXXX ) for a debt from a bank I don't owe money to. The amount they claim I owe is {$12000.00}. The letter listed XXXX XXXX  XXXX AND as the original creditor but xxxx the account number. 
Besides the fact I don't have personnel accounts with XXXX XXXX, what tipped me off to the false nature of this debt, it that my credit was pulled on XX/XX/XXXX and there is no debt for XXXXXXXX XXXX and non of my previous debts amount to {$12000.00}. 
I immediately began searching the validity of this Diversified Consultants, Inc and found numerous complaints about there shady practicing. Additionally, I've received local calls that do not leave messages. Strangeness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22
Company: Big Picture Loans, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I was inquiring about a loan of {$400.00} from Big Picture loans. I made it to the final step and decided I didn't need the loan. I then recieved {$400.00} from the loan company. When I noticed I called to find out how I recieved the money if I did not finish the loan application. I was given the run around until finally I became frustrated and hung up. They started taking {$140.00} from my account every other week. When I called to inquire how long it would take to pay off after the payments never stopped they tried to look up my account with an email Address but said that they did not have an email Address on file because the application was never completed. I would not provide them with my email Address because they told me that all loan agreements must have a email Address in order to be signed. They now say I still owe them over {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: ACS Education Services
State: PA
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: Personal information incorrect

Complaint:
My reports shows I lived at an address I never lived at and was reported on XX/XX/XXXX by ACS/XXXX  XXXX XXXX and/or creditor it was sold to-XXXX XXXX XXXX on XX/XX/XXXX. 
ACS/XXXX XXXX XXXX XXXX Account opened on XX/XX/XXXX. It also reports on XX/XX/XXXX I was 90 days late and on XX/XX/XXXX 60 days late. I have sent in copies of divorce decree showing ex husband is responsible several times over the years with no update. The loan is closed as of XX/XX/XXXX. He received the bill while he was living in Virginia while account still open and was making payments as of XX/XX/XXXX and I did not receive a bill as I lived in Pennsylvania. It shows he paid XX/XX/XXXX and then suddenly was 60 days late the next month of XX/XX/XXXX and then suddenly 90 days late on XX/XX/XXXX. How is that possible? I was not aware of this bill and have asked several times that this delinquency be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about  XXXX   XXXX , I went on line looking to refinance the mortgage on my primary residence in  XXXX , VA. I was contacted by  XXXX   XXXX , a  professional mortgage consultant for Wyndham Mortgage Company. I was asked to send a n umber of documents which I sent priority mail for {$20.00} to  XXXX . After reviewing the documents,  XXXX  informed me that, based on my income, I would not qualify for the {$410000.00} loan I was requesting. ( He obviously did not look at ALL my income-just my earned income ). So my daughter and her husband accepted to co-sign the loan for me. My daughter sent all the required documents priority mail for {$29.00}. I had an appraisal done on my residence. Everything was working well. My rate was locked in  at 3.625  until  XXXX   XXXX ,  2016 .  XXXX   XXXX  was processing the loan. The first thing she did was asking me to send to her ALL of the documents I had already sent to  XXXX . Then she requested from my daughter  XXXX  and her husband  XXXX , on  XXXX   XXXX ,  2016 ,, the very same documents that she had mailed for {$29.00} BECAUSE THEY HAD LOS T THEM.It took another 3 months for the staff at Wyndham to work on the case. By then my locked- in rate was gone. The interest rates increased and I received this message from  XXXX  on  XXXX   XXXX  : I was able to review the file and talk with  XXXX  ... ..but I ca n't figure out what happened to the documents from your daughter that were scanned into the file from the front desk. '' At that point my patience ran out and I told  XXXX  to forget the whole thing. I then went to the  XXXX   XXXX   XXXX   XXXX . The first thing they told me is that I DID qualify on my own. However, the rate was   4.325. They approved my loan in a few day
s. I just want you to make a   note on how Wyndham does business. Thank   you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: FC HoldCo LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
After becoming very sick and hospitalized for several weeks, I missed a payment and fell behind. Soon as I was able I reached out and attempted to make arrangements to get caught up back in XX/XX/2020 to the best of my knowledge. I was told on a recorded line, that if I was able to arrange to pay at least {$410.00}, that my account can be arranged to show current and add the missing payment to the end of the loan, Even after I made my payment as agreed, Flagship Credit did not do what they promised. I remained behind even after making a payment as agreed. Denied without any explanation. 

Daily harassing phone calls multiple times a day starting before XXXX daily. I never got any communication ( email, phone call, letter in the mail ) of denial, NOTHING. When I asked, I was told " your request was denied ''. Nothing more. 

In XX/XX/2020, I received yet another round of harassing calls, one of  which from a self described account manager named only XXXX. XXXX again, made a payment agreement with me to pay {$410.00} in XXXX for XXXX payment and he would roll XXXX and XXXX payments to the end of the loan making my next payment due XX/XX/2020. Again, I kept my word, made payment as agreed and FLAGSHIP CREDIT, again, failed to do what they said. The daily calls before XXXX several times a day continued. I attempted to contact XXXX, but my calls went unanswered, until first thing this morning. XXXX calls. When asked why his agreement ( AGAIN ) was not kept. XXXX simply said,  " your request was denied ''. 

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 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/2020, it was reported that XXXX XXXX XXXX had closed my account and then added a note. This is reported on my credit report and it is incorrect. My account is active and open. I have ten payments until my lease is over. My next scheduled payment is XX/XX/2020. Also, a note was added which I am not able to see, but on my report, it shows my payment for XXXX is " unknown '' but for XXXX and XXXX its current. This needs to be corrected immediately. I made two full payments for the month of XXXX which is why my next payment is not until XXXX. This is a lazy example of XXXX XXXX inputting wrong data and not verifying nor double-checking. 

My payments for XXXX, XXXX, and XXXX were deferred but I made payments on XX/XX/2020, for {$350.00} and on XX/XX/2020, for {$770.00}. My statement for XXXX had a balance of {$0.00} and my next payment is XX/XX/2020 for {$770.00}

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 2018-10-22
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I terminated my lease with GM Financial on XX/XX/2018. I received a bill on XX/XX/2018 for " remaining contractual charges ''. I contacted GM Financial by letter on XX/XX/2018 disputing a charge of {$150.00} and late charge fees. I requested validation of these charges and never heard back. They only continued to send bills. I contacted GM Financial again by letter on XX/XX/2018 requesting validation for a 2nd time and never heard back from them within more than 30 days. They are now reporting 90-119 days late on my credit reports even though this lease was terminated in XXXX. I am attaching all letters that I sent to them which began in XXXX ( XX/XX/2018 ). They never responded to any of my correspondence. I received a call from a representative last week and she only asked if I was willing to set up a payment arrangement, but did not acknowledge any of my correspondence until I brought it up. Regardless they did not ever respond back to me in a timely manner. I am attaching all letters that I have sent to them with proof of delivery.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I sent a letters to have this account removed. I asked the company to provide my signature of our agreement. I asked them to remove this information off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello CFPB, I used PAYPAL ( XX/XX/2018 at XXXX XXXX  PDT ) to buy some cloth from XXXX and my Payment was sent to XXXX XXXX XXXX XXXX XXXX XXXX , XXXX. 
Transaction ID : XXXX {$120.00} USD - what I received TWO month later ( on XX/XX/2018 ) was just unusable rugs, nothing were close to that picture on internet page, size, color, quality - very bad, even stiches and pockets were on wrong spots. 
Right away I set returning process but merchant been wasn't agree against their policy ( they says its not a big difference and you maybe just mistaking by thinking that and color under lights may look different ). 
XX/XX/2018 we filled dispute through PayPal ( case # XXXX ) about transaction, after long process - I received email from PayPal : " - Youre eligible for a refund of {$120.00} USD once you return the item ( s ) " and they send me address which was different than seller provided on package. 
I paid shipping {$62.00} and followed directions from PayPal, I send what I purchased back to PayPal provided XXXX adress and provided all the evidence of returning ( receipts ) to paypal complain resolution and I still didn't have refund. Because no one live there or address didn't exist I don't know. But package tracking system ( XXXX ) USPS were stopped at some point in XXXX and looks like it coming back. PayPal not refunding me money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06
Company: Santander Consumer USA Holdings Inc.
State: VA
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 XXXX XXXX a consumer Federally protected under the law have been violated. I've done my research and fully understand the law. Santander Comsumer USA has been reporting inaccurate information on a account. I am a consumer and know my rights and under 15 usc 1666b you have clearly violated me. I the consumer operate under a open end credit plan. There are 14 late payments reporting and each are a violation of {$1000.00} a piece under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
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: Account status incorrect

Complaint:
Ive been in an installment loan with XXXX XXXX almost a year. Ive already had issues with them giving out my information to third parties, co-workers among other things. My issues are a signed a forbearance form, considering my area is declared a natural disaster, that my payments be defered until XX/XX/XXXX. Im in the middle of closing a home equity line of credit to pay XXXX XXXX off. As of today, a 30 day deragatory remark is on all three of my credit bureaus which in essence has stopped my process with my home equity line of credit in regard to paying them off and also was completely deceptive in telling me what forbearance was given to me in the first place for.

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 2017-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
FEW ACCOUNTS IS NOT EVEN BELONG TO ME, AND IT STILL SHOWING TO MY CREDIT HISTORY AND THOSE ACCOUNT ARE DAMAGING MY FINANCIAL LIFE

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