BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am XXXX off to say the least, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 2022-01-30
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I am a victim of Santander Consumer USA XXXXhe Bureau of Consumer Financial Protection ( Bureau ) has reviewed the consumer credit furnishing practices of Santander Consumer USA Inc.

( Respondent, as defined below ) and has identified the following law violations : ( 1 ) Respondent furnished inaccurate information about consumers credit to Consumer Reporting Agencies ( CRAs ) that it knew or had reasonable cause to believe was inaccurate in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-s2 ( a ) ( 1 ) ( A ) ; ( 2 ) Respondent failed to promptly update and correct information furnished to CRAs that Respondent determined was not complete or accurate in violation of 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 2 ) ; ( 3 ) Respondent furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ) Santander continued reporting inconsistent information for years after being alerted to its errors.

31. Therefore, Santander violated section 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Equifax is reporting my SSN incorrectly. When called to get it corrected, they advised that I may fax a copy of my SSN to them to get it corrected. I would prefer to use a method of communication that is A. Available to everyone in the XXXX century, and B Secure. I can not email it via a secure link to anyone, upload it securely or otherwise. All other credit bureaus and the SSN office has it correct, this is an Equifax issue. Equifax is unwilling to assist in getting it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: Experian Information Solutions Inc.
State: MI
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: Investigation took more than 30 days

Complaint:
I WAS TAKEN ADVANTAGE OF DUE TO MALPRACTICE WHILE SEVERAL LAWS WAS BEING BROKEN UNDER THE ( FCRA ) BY YOUR COMPANY, THIS HAS CAUSED ME FINANCIAL INJURY, ALSO THIS ISSUE HAS CAUSED ME DEFAMATION OF CHARACTER, I CANT GET A JOB, I CANT APPLY FOR CREDIT.UNDER THESE CHRISIS YOU HAVE HURT MY ABILITY TO OBTAIN CREDIT.I WILL ALSO BE FILEING A COMPLAINT WITH THE ( FTC ) CONCERNING THE NEGLECT OF YOUR COMPANY I HAVE PROOF ENCLOSED WITH THIS COMPLAINT THAT I REACHED OUT TO YOU GUYS OVER A MOTNTH AGO, AND I HAVE YET TO GET A RESPONSE FROM YOU GUYS.....

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 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have several consumer loans I am making payments on that XXXX  refuses to report. According to the FCRA, if a consumer report is inaccurate or incomplete, it must be corrected and made complete. I have reached out to XXXX  on several occasions, to no avail. My inaccurate consumer report is credit score is tarnishing my personal reputation and causing me mental anguish.

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 2022-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 inquires on my credit report that i didn't authorize.

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 2022-01-30
Company: AES/PHEAA
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 status incorrect

Complaint:
Pursuant to 15 USC 1681 ( a ) ( XXXX ) This is an alledged debt. This action was unfair in reporting this erroneous information without first consulting with me the consumer. There is no proof that this transaction even took place. The decision were made impartial because the FEDLOAN SERVICING allowed information to be reported while only hearing one side of the story. Also this process infringed upon my right to privacy by having a conversation about me with a third party and reporting this information as results of that third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX account was readded to credit report after I disputed and had it removed XXXX/XXXX/16. I have attached proof. XXXX account, was added back to report after I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I frequently receive email messages claiming to be from M & T Bank regarding " unauthorized access '' to my online banking account, and instructing me follow the link below in order to " confirm '' my identity and " restore your account access '' : https : //onlinebanking.mtb.com/Login/MTBSignOn/ I DO NOT NOW, NOR HAVE I EVER had any banking accounts with M & T Bank . I have received this email message dozens of times over the past year or so. I have NEVER clicked on the link and have always deleted the email message without reply. To my knowledge, there have been no incidences of fraudulent access to my legitimate online banking accounts.

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 2022-01-30
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This is XXXX XXXX XXXX and send XXXX records to XXXX XXXX XXXX XXXX, XXXX, IL XXXX for bills from XX/XX/XXXX So that my XXXX account can back to XXXX score. XXXX sent the bill to you XXXX in XXXX. That is when I started a second account and XXXX did not tell me what they were doing. 
In spite of this XXXX XXXX will contact you about this matter if it is not resolved within 10 days of this email. XXXX has relinquished my information with out my knowledge and if not done in written form, I will forward this matter to my legal advisor in Kentucky Please be advised to contact me about this concern A $ AP. My phone number is XXXX XXXX provider from financial care department XXXX in order to clear up this matter. 

Thank you Very much, XXXX XXXX XXXX, XXXX XXXX XXXX mobile ph

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 2017-01-24
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
FedLoan Servicing, a private entity, manages my federal student loan. FedLoan Servicing, without explanation or legal authority, limits electronic payments to XXXX ( XXXX ) per month in order deny loan recipients the opportunity to quickly and easily repay the loan. Moreover, FedLoan Servicing, without explanation or legal authority, refuses to accept payments on weekends, yet continues to assess per diem interest on weekends, to the great detriment of loan recipients.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I got a mail saying that there is a credit card open in my name. I never opened this card. It is from fanboy. First National Bank of Omaha. The number listed XXXX is not that banks number. When I called they asked for my birthday and other info. I dont think these people are the actual fnbo. They hung up when I asked more questions.

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 2022-01-30
Company: Fairway Independent Mortgage Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was dealing with XXXX XXXX with Fairway Independent. He said they can not approve me because I was off work during the pandemic. 
How can I be penalized for something I had no control over?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX {$87.00} XXXX  XXXX {$630.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX {$91.00} XXXX {$450.00}

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 2022-01-30
Company: Experian Information Solutions 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 filing this complaint to have three credit cards taking off my credit report, my identity has been used and my information has ended up on the dark web, I want these accounts deleted from my file before I file a ftc identity theft report, I found that these cards are on 3 credit bureaus I did not open these cards because they are fraud I want them removed from all three credit reports, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these companies used my information to open these accounts in my name please removed these accounts immediately, Im filing through the consumer financial protection bureau because XXXX and Experian has rude customer service and Im tired of of being hung up on, please get this done for me and please no excuse

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 2022-01-30
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
After receiving government funding, chime suspended my account. About {$5000.00} was left and I am not able to use it. This happened 6 months ago. I have provided all documentation requested. They have now ignored all requests. The pandemic was tough on my family and I received these funds to assist with relief. Please help me get my money back. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: Experian Information Solutions 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 status incorrect

Complaint:
Pursuant to 15 USC 1681 ( a ) ( 4 ) This is an alledged debt. This action was unfair in reporting this erroneous information without first consulting with me the consumer. There is no proof that this transaction even took place. The decision were made impartial because the XXXX XXXX allowed information to be reported while only hearing one side of the story. Also this process infringed upon my right to privacy by having a conversation about me with a third party and reporting this information as results of that third party.

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 2016-10-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed with all XXXX Bureau 's about Hard Inquiry on my credit report and was told that they can not remove them and that I needed to contact the institutions and that the institutions needed to send a letter to each Bureau to have them removed. I did what each Bureau told me to do. It took me a week to get any type of answers from each creditor. The Creditors were suppose to send a letter to the each Bureau to have it removed. I waited a month and the inquiries are still on my credit report. I contacted all XXXX Bureau 's and they are still refusing to remove them even after I contacted the Creditors to have them remove them. I am not sure what else to do.

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 2016-11-10
Company: The Receivable Management Services LLC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled my hazard insurance policy ( Policy No : XXXX ) with XXXX on XX/XX/2016 because I found a better policy. The policy was active from XX/XX/2016 XX/XX/2016. The balance for this month was {$92.00}, which I paid on XX/XX/2016 ( confirmation no : XXXX ). XXXX took the money out of my XXXX account on XX/XX/2016. They then sent me another bill on XX/XX/2016 for the {$92.00} that I had already paid. I spoke with XXXX @ XXXX and faxed to her a copy of the confirmation receipt that XXXX emailed to me ( fax no : XXXX ). I thought everything was taken care of but on XX/XX/2016, I received a letter from Receivable Management Services ( RMS, a collections agency ) stating that I owe {$92.00}. I called XXXX and spoke with XXXX. I then called RMS and spoke with XXXX and emailed her a copy of the same receipt I sent to XXXX + copy of my XXXX statement showing the payment. I called XXXX and demanded to speak to their XXXX, XXXX. I left him a voicemail but he did not call me back. I followed up with XXXX on XX/XX/2016 and spoke with XXXX She stated that my account was " closed as of XX/XX/2016 '' and that no balance was on the account. The date did not make sense but I was satisfied hearing that my account was closed. BUT on XXXX, I received a call from RMS Collections, this time from XXXX, stating that my account was not closed and that I still owe {$92.00}!!!! This company is harassing me for a balance that was PAID IN FULL. RMS Collections has the ability to report this bogus claim to the credit bureaus and I have plans on refinancing my home in a few m months. I have attempted numerous times to speak with the manager at XXXX but nobody is calling me back.

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 2022-01-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hello, I closed my savings account with fifth third on XX/XX/2021 but they kept the account open and have now charged me a {$5.00} service fee on XX/XX/XXXX. Attached is a screenshot on a service representative closing my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30
Company: SYNCHRONY FINANCIAL
State: OK
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:
Every time I apply for credit they keep the inquires on my report. I need those off of my report. I should not be penalized just for applying for credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am writing to dispute the account currently being reported by XXXX as referenced above. I have disputed this account information as inaccurate with Experian, and Experian has come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted XXXX myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests for them to Validate my debts, and the receipts showing that I sent these letter certified mail with a signature request. This debt is not mine and I was given any evidence of my obligation to pay this debt to the collection company listed above in this letter. 
The FCRA requires Experian to verify the validity of the item within 30 days. If the validity can not be verified, Experian is obligated by law to remove the item. There is a clear case of unverified debt here, and I urge Experian to remove this item before I am forced to take legal action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-22
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Balance transfer

Complaint:
I recently opened an account with citi simplicity and made a balance transfer to XXXX XXXX XXXX. The representative I spoke with, apparently mailed the check to the wrong address. I was told it was mailed on XXXX/XXXX/2015. 10 days have passed, the transfer was still not processed. I kept calling citibank for an update they keep saying it should be posted soon. Today, I called XXXX XXXX XXXX to verify if they have received the check. Still no check up to date, they advised me to ask citibank what address the check was mailed to, because they might have mailed it to a wrong address. So I called citibank to verify the address they mailed the check to, and indeed, the check was mailed to the wrong address. Now they have to cancel the transfer and wait 2-4 business days for the completion of cancellation, and then wait another 7-10 days to receive the check. Which now puts me to another 2weeks of waiting. I asked them to trace the check to see if they can forward the check to the right address, but I got no help. 7-10 days processing turned into a month of processing. It was their fault at the first place for not verifying the correct address. But now I 'm the one who 's receiving all the inconvenience. They should have a way to expedite the process for inconvenience like this. But I did not get the help that I need.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation