BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-16
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
Theres been many serious errors made on my credit report which I have identified and am outlining below. 

XXXX XXXX XXXX***** First, this account shows as charged off with a balance of {$6700.00},? Second, it shows No.month of terms as 36 but the account is Charged off so how can this be?. Not possible. 

XXXX XXXX**** Reporting that this account is Charged Off but it has a past due balance of {$300.00} on a {$100.00} credit limit? Not Possible. 


12 XXXX  XXXX XXXX  XXXX  XXXX**** Reporting this account is Charged off and the amount says {$1000.00} and last reported in 2018 so this is not accurate, Then the same account is reported a second time as XXXX  XXXX XXXX  below with a balance of XXXX. NOT POSSIBLE! 

XXXX  XXXX XXXX  XXXX**** Reporting this account twice as 12 XXXX  XXXX XXXX  XXXX  and shows a balance {$1000.00} and this account is showing $ XXXX..This a violation of the reporting laws.

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 2017-09-06
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/XXXX I found my XXXX XXXX XXXX Account in the glove box of my truck I traded in and in the book stated that I had {$830.00} in the account as of XX/XX/XXXX. I went to Santander Bank who merged with XXXX XXXX and talked with the customer service rep. who did a check of the system and could not find any information in their computers of the account using my name, date of birth, social security number or the account number. several months passed and I went back to Santander Bank who stated that they only keep records for 7 years and that they had no record of the account and that I should have received a letter advising of the merger and to come and get my money. I never received any letter from the bank and I was also advised to check with the state at Unclaimed money for Pa. in which I checked twice all with negative results. My state Rep did also check with no luck. In XX/XX/XXXX a man from the bank named XXXX XXXX XXXX stated that they sent me a check in the amound pof {$830.00} on XX/XX/XXXX in which I never received. I requested from the bank several times a copy of the check with my signature on the check cashing the check in which the bank states they do n't have. 
.

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 2022-07-21
Company: EQUIFAX, INC.
State: FL
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 and XXXX Account, the below listed accounts has violated my rights.

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

15 U.S.C 1681 Section 602 A. also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX ( Finance ) XXXX  ( Bank ) XXXX XXXX : Last reported XX/XX/XXXX {$250.00} Open balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original creditor ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$330.00} -- -- - Highest balance : {$330.00} XXXX XXXX XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$19000.00} -- -- Highest balance : {$25000.00} XXXX XXXX XXXX Last reported XX/XX/XXXX Reported balance : {$1100.00} -- -- - Credit limit : {$600.00} XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$690.00} -- -- - Credit limit : {$500.00} XXXX XXXX  : {$18000.00} Reported balance DEPT OF ED / XXXX : {$7500.00} On time DEPT OF ED / XXXX : {$4000.00} On time DEPT OF ED / XXXX : {$3100.00} On time DEPT OF ED / XXXX : {$3100.00} On time DEPT OF ED / XXXX : {$330.00} On time DEPT OF ED / XXXX : {$240.00} On time XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- Highest balance : {$9000.00} XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- - Highest balance : {$9600.00} XXXX XXXX  : Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- Highest balance : {$5200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Citi bank applied a service fee to my savings account that was not previously applied with no prior notification. As a result of this fee, then then applied an additional overdraft fee, for a total of {$59.00} in fees in expected fees.

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 2016-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
on XXXX XXXX I checked my credit report, because I would like to buy a home soon and all of my inquires where off. and I went back to look again and now they are back which has dropped my score down

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 2015-09-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
credit item ( partial account number ) XXXX 'XXXX ' shows account opened XX/XX/2012 and reported delinquent XX/XX/2012 ; thus not allowing 30 days. and according to payment history legend the time is to be 30 days past due. therefore due process was not observed and my rights were ignored. I would like this incorrectly placed credit item removed from my record. thank you..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: EQUIFAX, INC.
State: GA
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:
About two months ago I checked my credit and noticed some accounts that had misinformation and other accounts that werent mine to begin with. I mailed dispute letters to the credit bureaus to get the investigation started XX/XX/2020. It has been over a month and I have not received a response to the dispute letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i wrote a letter to this company dated by in XX/XX/2018 this company failed to respond to me. I've since then reached out the the credit companies and still haven't gotten any where with this debt that is supposedly owed. I don't know what this debt comes from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Braviant Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There are two companies involved here. One is SunUp Financial d.b.a. Balance Credit ; the other is XXXX XXXX XXXX. In XXXX of XXXX  I took out a loan with SunUp/Balance Credit. It was predatory -- 227 % -- but I knew I would be paying it as soon as the funds from the sale of my house arrived. In XXXX I mailed a check to pay off the loan, but when someone from SunUp/Balance Credit told me of the hundreds of dollars of interest that would accrue while they verified the check, I canceled the check and sent a cashier 's check instead. 

When they received the cashier 's check, SunUp/Balance Credit sent me an email saying that my loan was paid off. The email said that I could get a paid off letter from their Website by logging in to my account, so I logged in and retrieved the doc. ( It is a copy of the original loan doc with the words PAID IN FULL superimposed across each page. ) Then two-and-a-half years later I was contacted by the collection agency XXXX XXXX XXXX saying to send {$5000.00} for this loan. Despite sending them my evidence and explaining to them that the loan is paid off, they continue to keep this on my credit report and continue to send me letters asking for payment. 

My son has two XXXX  XXXX. If he were to catch the coronavirus, it would most likely be fatal. So when my employer reopens their doors, I will not be able to go back. For that reason, my wife and I plan on selling in Southern California and moving to Texas where things are more affordable. The problem is that my credit rating makes it difficult for me to qualify for a loan and Im not able to do anything to raise that rating due to XXXX XXXX XXXX reporting that I owe for a paid-off loan. 

My two-and-a-half pieces of evidence : 1. The email from SunUp/Balance Credit saying my loan is paid off. 
2. The Paid in Full doc from Sun/Up Balance Credit.

3. I did not save the copy of the cashiers check ( I figured numbers 1 and 2 would be enough ). But I do have a bank statement showing a cash withdrawal of {$5000.00} ( used to buy the cashiers check ) on XXXX. The paid-off email is dated XXXX. This is my half piece of evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: NY
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on XXXX XXXX  XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AWA COLLECT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( AWA COLLECT XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have been a customer with KeyBank over 25 years. Why was I a victim of fraud on XX/XX/2022? This was a KeyBank checking account for XXXX with a new debit card issued. Then on XX/XX/2022, I was frauded again on the same account for a purchase by XXXX and waiting for another new debit card issued. On XX/XX/XXXX and XX/XX/2022, with KeyBank knowing of these frauds supposedly did not protect my account and allowed unauthorized charges of over {$10000.00} between my KeyBank checking and savings accounts. All the fraudulent charges have added up to over {$30000.00} since XX/XX/2022. 
Where is your cybersecurity? KeyBank : you never texted or had the decency to " red flag '' or shut down my accounts when your organization knew of fraud activity on my accounts since XX/XX/2022. 
And I want to know who did this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I feel like I'm being taken advantage of by being ignored in my arguments. It is clearly stated on XXXX that failure to investigate an item within 30 days would result in its removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
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: Information belongs to someone else

Complaint:
I'm a victim of Identity theft. I have enclosed and Identity theft report an a letter citing all the fraudulent accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: RFNA, LP
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SECOND REQUEST : I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: NVR INC.
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Purchasing A NEW home.XX/XX/2016 got all the required paperwork to them timely. rates at the time were 3.25 or 3.74 no higher, We got preapproved prior to our additional deposit of XXXX on the balance. NVR Mortgage the company of the builder sat on our application for two months, until the rates went up and failed to include the additional sum they received or the fact that we asked for 15 year mortgage loan back on XXXX XXXX, 2016. Please help us. My husband is a XXXX Veteran and was approved for a VA loan. This is unheard of that they have not yet given us a 15 year mortgage or they have recalculated the loan subtracting the large sum, they initially stated they never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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: Information belongs to someone else

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2019-12-16
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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention.I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Summary of XXXX complaints against Experian that had harmed me by not not fixing credit mistakes delaying my mortgage process : 1. Inaction on a letter of correction for 12 days, 2. XXXX representatives gave me misinformation that this had been corrected, 3. On the XXXX day, the XXXX representative, finally verified the information, however refused to expedite the process of correction, further harming me by delaying the mortgage process by up to 3 more business days. On a further note, I asked to speak to a supervisor or manager to inform them of this complaint and possibly have this issue resolved before hanging up the phone. I was told I was being transferred to a live supervisor, but got a voicemail and I did leave a detailed message with my contact information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have a XXXX XXXX Financed through Santander Consumer Bank. I have been getting over 10 calls a day all times of the day starting from XXXX to XXXX. 
The reps on these calls are giving out my personal information and they are always threating me with repossession, telling me why ca n't I just borrow the money, take out a payday loan and all sorts of things to just give them money for payments. I have tried to call and set up arrangements to make payments, to just be told no and I must pay myfull amount owed or my vehicle will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Both my husband and I have tried to order our credit report from the XXXX website. Both attempts ended in an error or the report not being available. My request was for Experian and my husbands was for XXXX. Please correct this problem so we can get copies of our reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-19
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I use Experian and XXXX credit monitoring services and they have that my " Credit History is too short '' and that is hurting my score. My oldest account is 28 years old, my average account term, according to them, is ten years. I have numerous mortgages on properties that I have held for 15+ years, numerous credit cards that I have had for over 10 years, which I pay more than the minimum payment and all on time. I am not sure what they consider " aged accounts '', but by most standards my credit accounts are not " too short ''. I called Experian and they could not figure out why FICO considers my credit history to be " too short ''. They told me that FICO sends them that information. Instead of contacting FICO, I wanted to file a complaint as I am sure others are receiving the same status, if you will, of too short a credit history. I have excellent credit, but by FICO standards, I am just " good ''. There scoring models need to be reviewed so that it is fair for all and not something that seems to be arbitrary. 
Thank you and I look forward to your response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXX Inquiry Date XX/XX/2021 ;

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