BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-20
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:
SOMEONE USED MY SOCIAL SECURITY NUMBER TO APPLY FOR SEVERAL FRAUDULENT ACCOUNTS THAT I DID NOT GIVE PERMISSION TO THEY STOLE MY INFORMATION ANF OPEN FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Credit Management Services, Inc.
State: NE
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
XXXX/XXXX/16 rcvd summons of a debt XXXX/XXXX/16 setup payment arrangements of 2 payments per month ( no set dates for payments as I am XXXX and my wife does not get paid on specific days of the month XXXX/XXXX/16 my wife called to submit payment - all operators were busy-left detailed instructions to call her back about giving them the payment and to see if I could do a short payoff for the remaining balance XXXX/XXXX/16 my wife received the call back - at her work ( she told them not to contact her work number ) they would not take the payment - would not do a short payoff they had already sent the debt to the court for judgement and was advised it would have to pay in full - my wife contacted them today XXXX/XXXX/16 paid the debt in full {$7100.00} These debts were mine, but my wife was still served and was named in the judgement Company name : Credit Management Services XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Social Finance, Inc.
State: DC
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:
There are XXXX inquiries on my account that were not authorized by me. 


XXXX XXXX XXXX XX/XX/22 Sofi lending corp XX/XX/22 There is no phone number for this company.

Im not sure about the loan amounts because its not shown on my report. 

I have already disputed these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: LEXISNEXIS
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
In response to the letter I received on XX/XX/2020, Case # XXXX, Consumer # XXXX. I requested a description of the procedure used to determine the accuracy and completeness of a disputed bankruptcy on my consumer report. I have not gotten a response from Lexis Nexis. I was told over the phone that they get the information directly from the courts. I have received a letter from the bankruptcy court confirming they do not give out personal information to 3rd parties. I asked that they verify that it is in fact my bankruptcy and they failed to do so. The bankruptcy remains on my consumer report as incomplete and inaccurate information. They failed to verify my full name, full social security number, amount of debt in the bankruptcy and my full address associated with this bankruptcy. Because of this inaccurate and incomplete information being reported the credit bureaus are reporting it because they get this information from Lexis Nexis. I am attaching a letter from Bankruptcy court supporting my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-11
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom this may concern I want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX Opened XX/XX/XXXX ( {$710.00} ), XXXX XXXX XXXX Opened XX/XX/XXXX ( {$700.00} ), XXXX and XXXX XXXX, Opened XX/XX/XXXX ( XXXX ) BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A XXXX XXXX XXXX, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2016-04-13
Company: Navient Solutions, LLC.
State: CT
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:
On XXXX/XXXX/2016, I received a couple of calls requesting call back from Navient ( XXXX XXXX ). My student loans are being handled by XXXX XXXX XXXX who pays Navient. My account is being drafted on a timely basis every month in order to have the student loan paid on a timely basis every month. On XXXX/XXXX/2016 I received another voice mail from Navient and I returned their call. They informed me that payment had not been done for XXXX 2016 and the amount of {$360.00} was still owed. They wanted to place my account in forbearance which means that I would be charged added interest and fees. I refused because account is being drafted on a timely basis. Most importantly, the check was sent to Navient who then applied it to the wrong account. I left email for XXXX XXXX XXXX on this matter. I contacted XXXX and Navient a number of times and they have informed me the following : XXXX XXXX reported that they were working on this matter and had spoken to Navient ( supervisors ) and were informed by these supervisors that the check that was received was applied to a wrong account. Navient agreed to back date check to XXXX/XXXX/2016. Navient continues to call me stating that they need payment and informed me that XXXX XXXX XXXX had sent the check to the wrong address. I explained to Navient what XXXX XXXX explained to me but Navient reported that their system is only showing that the check is going to be returned to XXXX. Navient continues to leave me voice mails either by a live person to return their calls immediately or by their automated system. In the time that I have had my student loans I have never had any problems with timely payments. This matter needs to be rectified as soon as possible. I am not happy with Navient and their tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
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:
I purchased a new vehicle at XXXX XXXX XXXX XXXX. I signed all this paperwork and they gave me a hard to read triplicate copy. After two months of not getting my license plates, I went down to the California Department of Motor Vehicles and discovered that all the contracts had an address that doesn't even exist, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. My address at the time was XXXX XXXX XXXX # XXXX, XXXX XXXX, Ca XXXX. 

I happened to have ordered personalized plates so the DMV to comply with the temporary plate law assigned that personalized plate to my vehicle, a XX/XX/XXXX  XXXX XXXX XXXX and told me that the plates were probably returned to the dealer. So I called the dealer, which transferred me to the " DMV DESK '' and never got back to me. I went back to the DMV to try to find the plates and to this day, I do not know where they are at and the DMV offices are closed due to COVAID. I have been on hold for hours with the DMV trying to get an appointment somewhere because I do not want these personalized plates on my car. 

I told SANTANDER that I never lived at XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX and why do we spend so much time underwriting a loan where they are receiving 24.19 % interest rate but can't assist me in finding the plates. Why wasn't this contract mistake discovered at funding? Isn't that something to underwrite besides a consumers income, assets or REG B? Its on everything, even the GAP insurance contract. NO ONE CAUGHT IT, TO THIS DAY. 

I feel like the collection calls are unfair and I am not going to make any payments until I get the license plates due to your error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: PNC Bank N.A.
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
What I now know was a scammer paid off my credit card then forced me to make a XXXX Cash advance on my Credit Card & send it to an account. I contacted the credit card company multiple times they said that the cash advance had cleared & everything was fine. It was n't .... the day after I made the deposit into the account that they forced the deposit bounced. I contacted the credit card company with account # money even the bank account # the money went into & they said that the card company could contact them & get the money back cause account was still active. At first they said no problem they would work in out & requested I file police report & credited my account then they later denied my claim. I filed the police report & done everything they requested. They send me replacement cards, Now that they denied the claim the account is over the limit & closed. Please have them Double check Exact amount on Cash withdraw. It was maximum allowed. Police report was less than I was thinking but i could be incorect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I went through a divorce and USAAs divorce dept helped me change all my accounts. They changed my checking account from my current checking to an existing savings. The account numbers are only 2 numbers different. 

I have been with USAA since 1997. I have never had this kind of issue. 

I am having problems paying out of my current account with autopay and it keeps reverting to my old account. I have called on a least a dozen occasions and most recently they reported me 30 days past due because of misinformation they have given me or misunderstandings with the account. 

I talked to the escalation team today and they helped me set up autopay on the new account and had numerous issues doing it though because it kept reverting to the old account. 

They saw my issues but at the end said its my responsibility to pay my bills. All this while I have a Covid 19 90 day relief of payments from them. 

I want the entire file reviews and all conversations listened to. I was misinformed and misled about how my payments would go through. Additionally they are sticking me with a convenience check fee after my credit card was expired and I needed a method of payment for construction workers remodeling my home. They said they would overnight checks but didnt tell me it would acquire additional fees. I feel they are playing word games. 

I am a XXXX  and Ive not only received paycuts but XXXX   furlough or even lay-off. Im trying to refi my house and USAA is manipulating their XXXX up to make it mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX of 2022, I had done one transaction. The amount was {$21.00} through XXXX. I was supposed to have sent {$40.00} to a seller for some virtual items for a video game, but we were having issues getting the last {$20.00} to them so we had to use XXXX XXXX. The reason there is 2 transactions is because I had sent the money to a receiver that the seller told me to send the money to, but after I had sent it, said the receiver was having issues retrieving the money. They gave me another person 's information to send the money to. However, the seller never gave me the virtual items and I had to file a dispute with my bank- Chase. On top of this, the seller suddenly disappeared from social media so it wasn't as if I could easily get my money back. I explained the situation to Chase and they gave me temporary credit. Now, I was given a letter saying that they were going to remove this temporary credit on XX/XX/XXXX because they found no errors in that instance. The claim ID is XXXX or XXXX This also does not factor in that I got scammed yet again by who I suspect was the same person using a different name in the amount of {$21.00} via XXXX XXXX on XX/XX/XXXX. The Claim ID for this is XXXX. I have not received a letter yet but am not shocked if Chase reverses the credit by claiming that it was an authorized transaction as well. I still NEVER got ANY items. 

It is currently XX/XX/2022 at the time of me typing this out. Essentially, I am now out of the total amount of {$43.00}. I am very mad that Chase is doing this and I am demanding my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX ( no longer employed ) opened an account with a {$400.00} credit to me after 90 days for achieving the minimum balance requirements. I met these requirements. Citibank did not hold up their end of the bargain and my money has been tied up for four months. When I called the branch manager XXXX XXXX he hung up on me. I have tried to call the district manager XXXX XXXX but have had no success. 
i have had similar problems with Citibank in the past. Reminds me of 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 monetary relief
Consumer complaint received 2020-03-26
Company: Avant Credit Corporation
State: MI
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:
I purchased XXXX tickets through group on XX/XX/XXXX for a XXXX XXXX XXXX game on XX/XX/2020 the event was canceled due to cobid 19 i contacted group on mo luck so contacted my credit card company explained why the event was canceled they sent me a letter stating i purchased the item i told the cs agent when i filed the whole story due to covid 19

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Eastern Account Systems of Connecticut, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been receiving periodic  medical services fr om  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (   XXXX   )   XXXX  for the past 2 years. My health plan covered most of the cost with a portion being my responsibility. I verified with  XXXX   (   XXXX   rep ) th at I only have  XXXX  account with  XXXX  showing a balance of {$460.00} of which {$410.00} was forwarded for collections but broken down into  XXXX  different amoun ts. Eastern Account System (   XXXX   )   XXXX , the collection company, is reporting the  XXXX   XXXX  account as  XXXX  separate accounts which I believe to be excessively punitive and unfair. The community needs to be made aware of this, especially before havin g medical services rendered by providers with this company. There may also be violations of law with the State of Texas, Fa ir Credit Reporting Act a nd Federal Consumer Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I consolidated my collection debt with credit card in XX/XX/2022 and I am unable to submit my paperwork to all three credit reporting agencies therefore I am requesting it be submitted through your agency.

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 2017-07-29
Company: Professional Debt Mediation, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt is reported on my credited XXXX by XXXX different consumers and this consumer no long have the debt they sold it to another collection agency.

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 2022-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
I found a BofA refund check in the amount of XXXX dated XX/XX/2013 for XXXX XXXX XXXX I did not receive. I also found a second notice from BofA to call to reissue this check. I went to several BoA locations in Michigan and Maryland to get a reissue of this check. Still, they kept telling me that they were not responsible for reissuing the check, even after XXXX XXXX told them that it was their responsibility. Bof A told me to check unclaimed properties and I found nothing on any of the states where I lived or where the B of A headquarters are located. I finally received the number of a BofA corporate banker, XXXX XXXX ( XXXX ) XXXX, and called, but they did not respond. 

At this point, I know that because it was not reported as unclaimed as required by law ( as the funds were a return of my own money ) that the funds were stolen.

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 2022-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Problem with personal statement of dispute

Complaint:
The total amount were rebills XXXX. These charges were for a cruise that i had cancelled in XXXX for the upcoming cruise in XXXX. The gave me back some of the monies i paid but held back XXXX claiming they could not in touch with the merchant and that would be my responsibility. Are they crazy?? Covid was in play at the time in fact they cancelled the first cruise that was due to sail in XXXX  and did not sail, so they rolled my account over to the following year for another cruise, which again covid was in play. At one time my credit score was XXXX they have cut me down to XXXX for non payment of services and or good i never received. They claim the chargeback amt was over the threshold. Capital one is the most unscrupulous person i have ever dealt with. They should return my monies and. All charges on top of what they should have refunded are interest and late fees. I have spent over 40 hours on the phone with them to no avail. They kept telling me it will probably come and it never did. I suspect they charges were refunded by the cruise line and capital one will not furnish me with any communication they had with the merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Toyota Financial Services reported my account as closed when the loan was paid in full. This has caused a decrease in my credit score rather than an increase. I attempted to resolve this matter with TFS but they insist on reporting the account as closed.

Company response to consumer: Closed with explanation