BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX debt is over 7 years old. The debt is paid off as it was consolidated. There has been no data reported since 2012. I have repeatedly informed the credit bureaus of this and it should no longer be showing on my credit report and I wish for it to be removed. They refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: GOLDMAN SACHS BANK USA
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX XXXX XXXX rewards card being converted to Goldman Sachs Card on XX/XX/XXXX Redemption for XXXX to be applied to balance Per XXXX amount authorized and rewards balance decreased by that amount. First call to Goldman Sachs on XX/XX/XXXX referred to XXXX Rewards at XXXX pm spoke to XXXX XXXX told would call back in XXXX to 7 days on XX/XX/XXXX XXXX spoke to XXXX XXXX XXXX he would take care of it same XXXX days now XX/XX/XXXX spoke to XXXX XXXX pm XXXX they do not handle such requests and referred back to Goldman Sachs Called XXXX XXXX XXXX XXXX referred to Supervisor XXXX told she had no idea if of when they would get around to calling back and no idea if or when it would be fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-18
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
6 years ago in XX/XX/XXXX, we purchased a car and it was financed through Santander consumer USA. as of this XXXX the car was supposed to be paid off. When I made my payment in XX/XX/XXXX I was told I would receive the title in the mail within 90 days. My credit went up 34 points and it reflected a XXXX balance on my credit report. 2 months later this XXXX, I went to go look up my credit and it said new account " Santander consumer USA balance {$8500.00} - mind you we did not get a new loan, this was the same loan, so we called to try to find out what's going on, we were told that throughout the loan more interest was acquired and not paid off- mind you the loan was paid in full including interest at this point. We asked to speak to a supervisor who would not provide us with any further information. Now we are stuck with a car without a title with damaged credit due to this issue and a balance exceeding the actual value of the car. This loan company is apparently well known for this issue and has been sued many times. unfortunately we did not know of this until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I purchased a property in FL, using a XXXX XXXX, which was turned over to Seterus , Inc. to service the loan. They have wrongly charged us an {$85.00} fee for an appraisal for a loan modification, which we have never requested. I only contacted them because we had paid the homeowner 's insurance and they had also paid it through escrow. We 've never, ever been late on our payments. This has been going on since XX/XX/XXXX and the fee has n't been removed, even after several phone calls and fax correspondence! We are worried it 's going to harm our credit if we do n't pay it and wonder how many other customers have gotten this same run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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: Account status incorrect

Complaint:
XX/XX/2022 I paid the collection account XXXX XXXX XXXX The account was supposed to be deleted after payment. It was updated to paid and is still reporting on all three credit bureaus. Not only is it reporting it is full of inaccuracies and credit reporting violations. On Equifax and XXXX a payment history is being reported. Which from my understanding a collection account can not report a payment history. Also on XXXX its showing as an open account, a collection account can not be reported as open. Can this account please be removed from my credit report due to the violations and because the company said they requested deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Paypal Holdings, Inc
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016, I XXXX XXXX, filed Chapter XXXX Bankruptcy which included my business XXXX. All of my creditors were notified about my filing, however some of them have chosen not to comply. One of which is Paypal and PayPal Working Capital. They have continuously taken money out of my account since XXXX XXXX, 2016 for a loan that was taken out in XXXX 2016, but was subsequently included in my Chapter XXXX. Their actions or inaction rather is egregious and I would like a stop put to it! Furthermore, the money that they have taken out of my account has further created a snowball effect, in regards to my business checking account at XXXX ( refer to previous complaint regarding XXXX ). If Paypal would have stopped deducting funds out of my account in XXXX, part of the issues that I am having with BMO would not even exist!!! PayPal has caused me to have a {$1000.00} negative balance at XXXX, as a result of backup funding!!! I tried to turn off the backup funding, but was denied because they said that the could not stop back up funding while a transfer was in place, which seemingly has been for the last three months straight!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: IL
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 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 XXXX. 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 XXXX 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 4 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 XXXX 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 2020-04-18
Company: LEXISNEXIS
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:
I am challenging the information listed on the response from LEXISNEXIS with facts directly from the reporting site in which they claim they investigated this issue in the first place. In their response they state " Through a recollection of the bankruptcy record, LexisNexis determined that the name, address, and last XXXX digits of the social security number originally filed on the full bankruptcy docket obtained from Public Access to Court Electronic Records ( PACER ) match Ms . 
XXXX name, current address XXXX XXXX XXXX XXXX XXXX, FL XXXX and full social security number reported to LexisNexis by the nationwide consumer reporting agencies. There is misinformation in this statement. They claim they verify the last four of my SSN to match the information listed in PACER however in the next line they state they verified my FULL social as a match. How can this be? Per PACER 's information listed " In a XX/XX/XXXX session, the Judicial Conference approved amendments to the Federal Rules of Bankruptcy Procedures and the Official Bankruptcy Forms. The amendments implement the conference policy on privacy and public access to electronic case files. These amendments took effect at all courts on XX/XX/XXXX. As a result of this decision, only the last four digits of the SSN are  displayed on all reports. If the full social can not be verified on this documentation how can this be accurate information? Furthermore I do NOT believe you reinvest-gated anything staff for several companies including XXXX XXXX is down due to on-going stay at home orders in place. How was a re-investigation completed in less than a week after my complaint was submitted?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I have been working for the last week to temporarily lift a feeze on my equifax credit report. I called in, and they informed me that I have fax them proof of my current address in the form of a copy of my driver 's license and a bank statement. I faxed them this information twice, and received successful transmission confirmations both times. Yet when I call in, they tell me that they have not received the documents. So it would appear that they are losing my personal information. They are giving me no options to release the freeze over the phone, they only say that I must either fax the information or mail it. I am hesitant to do this, as I am afraid that they will just lose it again. I find it to be absolutely ridiculous that I am unable to release a freeze on my own credit score, and that equifax has misplaced secure documents that I was asked to provide to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XX/XX/2022 a debit collection on the name Jefferson Capital System LLC with the account number XXXX and post with {$480.00} With the address on XXXX XXXX XXXX, XXXX, MN XXXX I want this Collection Agency to provide in writing any agreement and my signature to prove I own them that amount of money If they cant provide this they need to cancel and announce the Credit Company to stop posting this in my account Again they need to provide letters with my Signature that I own {$480.00} to Jefferson Capital System LLC If they can I will appeal by The Federal Law protection of Consumers Fair

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX my personal banking account debit card info was hacked and stolen, our main account was cleaned out of funds and the bank finally stopped authorizing additional purchases due to fraudulent activity it determined. I was never noticed and I have alerts on everything on all of our accounts for just this sort of problem. A fraud claim was filed with US Bank ; claim number # XXXX immediately upon us discovering our account had been compromised. It was a nightmare and a lot of leg work on my part to fix this. Im already a victim of identity theft and have been protected ( allegedly ) by XXXX  XXXX XXXXXXXX for many years and still have had problems with exposure of my personal records. I contacted XXXX concerning why I wasnt notified of another breach and they told me that the bank ( US Bank ) never reported it to them. A representative of US Bank informed me they only report fraud on their bank issued credit cards and dont always report theft or fraud on personal accounts. OMG, what good is XXXX or any other Identity Theft and Credit monitoring service if the banks dont report all fraudulent activity. Sounds like a upcoming lawsuit to us. Please help, my identity was first stolen in XXXX and several more times since including the XXXX XXXX breach that exposed ALL of my personal information. I would like investigations into US Bank and XXXX and the other two Credit agencies. No one is really protected!

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 2016-09-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have been persistent in stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. FCRA states that I have a right to KNOW who is the party that has provided this negative information. It is my understanding that this is against FCRA, FCBA and the Public Record Act. The Bankruptcy Court has confirmed that they did not verify as it was stated by the agency. The credit agencies have stated I can no longer challenge this negative entry which is against Consumer Debt Law. This discrepancy has prevented me in my personal life 's pursuit and I am asking the CFPB please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am disputing a problem reporting on my student loan. I am currently in the income based repayment plan and have been been since XX/XX/2020. There should not be any late payments reporting on XXXX, XXXX and Transunion on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Account type : Installment XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX XXXX XXXX Account type : Installment I also noticed a discrepancy in the reporting date and discharge date of an old bankruptcy that has aged past 10 years on reporting and discharge date and needs to be removed from XXXX, XXXX and Transunion as well. 

XXXX XXXX Bankruptcy Status : Discharged Reference # : XXXX or XXXX I appreciate ongoing look into this as it is preventing me from moving forward in my house buying process. Credit report is attached. Thank you.

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE DISPUTED WITH XXXX and TRANSUNION OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWSXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XXXX.I DO NOT RECOGNIZE THESE INQUIRES AND XXXX CREDIT BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.

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 2015-08-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This account belongs to my father. Experian updates the account and states that it belongs to me. My father XXXX XXXX called XXXX in XXXX and recorded to the CS rep. that he did not authorize XXXX to add me XXXX XXXX as an authorized user. He requested that they terminate me from his account and they did. XXXX re-investigated and removed XXXX from my Credit Report. I need Experian to do the same. I request that Experian to review the recordings that my father left with the XXXX Customer Service Rep in XXXX. In doing so, Experian will find that XXXX added me without my or my father 's authorization. ( THIS ACCOUNT DOES NOT BELONG TO ME ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
on XX/XX/2022 I received a charge of {$15.00} form a balance of {$20.00} leaving {$4.00} available in the account. I was charged {$36.00} overdraft fee at this time when there were no other transactions. On XX/XX/2022 I deposited {$20.00} to cover a pending {$5.00} charge, I was charged another {$36.00} overdraft fee. It is Representative XXXX in the XXXX spoke to supervisor XXXX in the XXXX who told me that the pending amount received the overdraft fee. This is against bank policies as well as Law. There was also no mention of the {$20.00} deposited I made. The Bank refused to refund me even though they recognized the error on their part. This is not the first time this has happened and I feel that someone needs to stop the banks from doing this to hard working people.

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 2016-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card
Issue: Transaction issue

Complaint:
I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam. I would like you to investigate my charges on my visa made by these fraudulent companies : XXXX XXXX XXXX and XXXX XXXX. I got contacted by these companies by unsolicited telemarketing phone calls and they promised me a profitable at home business. The reason for this dispute was due to their deceptive sales tactics they used to obtain my business. It is clear that they never intended to fulfill their end of the deal. They did not provide the services I was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Lendmark Financial Services
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In 2007, I was a victim of identity theft. As a result, the IRS and the State of California XXXX XXXX XXXX charged that I owed them a tax debt, which I disputed. Before we reached a resolution, the XXXX and XXXX reported the tax liens to the XXXX credit bureaus, XXXX of which was Equifax. After several years of disputing the debt with the XXXX, and with the help of the XXXX Advocacy group, the XXXX conceded that I did not owe the debt, thus meaning that I did not owe monies to the XXXX either, and removed it from my tax file. However, Equifax has since refused to remove it from my credit report, despite multiple calls and visits to the local offices reporting the debt. I 've been trying for years to get Equifax to remove it, but because it 's the XXXX and State of California XXXX supposedly reporting it, Equifax does n't want to do it. I finally called the XXXX Advocacy group again and they confirmed that they have no record of the debt because it was removed, since I proved it was n't my debt. They recommended that I get the FTC involved to force Equifax to remove the tax lien history from my credit profile. Currently, there are several tax liens that show " paid/satisfied, '' but that implies that I owed the debt at XXXX time and paid it off, neither of which is true. Because the debt was never mine, any and all record of the tax liens should be stricken from my credit profile. As result of having those liens reported, although showing " satisfied, '' my credit scores are being severely affected and I 'm having to pay much higher interest rates and getting denied from necessary credit. I need your help in having all of the erroneous tax liens appearing on my credit report, both on the Federal and State level, to be removed once and for all.

Company response to consumer: Closed with explanation