BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The Collection Agency XXXX XXXX, Original Creditor XXXX XXXX XXXX, along with XXXX XXXX XXXX and Transunion are reporting erroneous and inaccurate information on my credit files. This account has already been deleted from XXXX as they were willing to do what was right in adhering to my rights as a consumer, but the collection agency and the above-mentioned credit bureaus have failed.

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 2021-12-26
Company: Four Directions Lending LLC
State: LA
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:
Hello, I am writing to investigate an email I received from a company called XXXX XXXX, stating that they denied my request I made for a loan with them, but I have never applied for a loan with this company ever. They also had an old address on the email that I had 11 years ago in Washington state. Is this a scam or has my credit report been accessed by this company without my consent? Please let me know if this company has really accessed my credit report. The company 's name is : XXXX XXXX, and they are based in XXXX, Wisconsin. I tried to call the number provided to inquire about this, but there was a strange recording that came on and I could not leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX account reporting late on XX/XX/XXXX and XX/XX/2015 when account was never past due.

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 2015-08-06
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On my EQUIFAX report, Both of the XXXX ACCOUNTS are showing as OPEN ACCOUNTS. It is not open, it is closed and has been closed for years. It has also been paid in full since with no balance owed. I also believe it is time for XXXX accounts to be removed per the law from when it actually defaulted as the debts originally was not theirs but another companys. It is the same debt as the XXXX XXXX ACCOUNTS. Those XXXX XXXX ACCOUNTS are also CLOSED, PAID IN FULL and are no longer in collection. I have spoke to XXXX as well as XXXX and they have verified as well as told me they sent the correct info to the bureaus to fix this yet I see EQUIFAX is still reporting incorrectly. Also, I received a letter from XXXX that verified they also informed XXXX who is dragging there heels on updating my last complaint to you all, which is CASE # : XXXX as they are showing this as charged off in XXXX 2015 now and at the time I complained to the CFPB they were showing it as charged off XXXX 2015. This is just illegal XXXX that I am tired of and XXXX says it will take 60 days and I know XXXX well they have the updated info already as it was mailed to them about a month ago yet they are still reporting this XXXX account incorrectly and illegally, probably out of spite. I am paying for monitoring services where they claim they update every day, etc and thats just a lie. If I decide to charge back every month I have paid them for there " NOT THE PRODUCT THEY CLAIM TO BE SELLING ME '', I wonder what would happen and if i took it to court what would a judge say. Someone needs to get on this as I am sure there are thousands of Americans just getting ripped off on this monopoly these bureaus have going on. I pay and subscribe to EQUIFAX, XXXX, XXXX and XXXX and I pay all my debts and have not missed a payment on any account I have opened in over 2 years but yet I suffer from some XXXX working at these companies who can not seem to comprehend english or speak it properly when I try to make progress on the phone and apparently can not enter correct true data. I do not deserve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: CCS Financial Services, Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The Collection Agency CCS COLLECTIONS, Original Creditor XXXX XXXX XXXX, along with XXXX XXXX XXXX and XXXX are reporting erroneous and inaccurate information on my credit files. This account has already been deleted from XXXX as they were willing to do what was right in adhering to my rights as a consumer, but the collection agency and the above-mentioned credit bureaus have failed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: CITIBANK, N.A.
State: MA
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:
On XX/XX/2020 I had purchased off the XXXX site a what I thought was a XXXX case - XXXX XXXX XXXX. The guy that store it was under on there was a XXXX who ironically his store is now gone and so is his email but I have this lady billing me XXXX and she sent me a plastic case with a slapped on decal of the XXXX XXXX logo - nothing like the pics. Probably why they got shut down on XXXX. 

My problem with citi  is for two days now you cant dispute your purchase online it says were experiencing some temporary delays, please try back later. 
If you call them it hangs up on you automatically and says the lines are too busy. 

Listen Ive quarantined and working from home since XX/XX/XXXX and we work well still even with a limited staff. 

They send out emails saying they rather have you obviously do things through their app and then their app doesnt work and their phones are programmed to automatically hang up due to their call volume so you cant get anything done/rectified I want them to credit the charge XXXX XXXX posted on XX/XX/XXXX and the amount is XXXX and tell her to stop sending fakes out. I dont have an address to send this fake back to and Im not paying to ship it back so youll have to deal with how this fraud wants to proceed.

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 2017-09-13
Company: AES/PHEAA
State: ND
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am requesting FULL VALIDATION of the debt. I do n't want an account summary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: FIRSTBANK
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
on XXXX, XXXX 2023 I received a check from an employer and took it to the first bank atm to cash it. I came home and checked my online account to see if it was deposited to find that my account was locked. so I called the number that the screen told me to find that the check was fraudulent! so I went in on the next business day to find out that my account was closed! I got a lecture that I should not cash checks that just come in the mail, even after I told them that this was a payroll check! and I asked them how does the average person know what a fraudulent check look like? and that question was ignored! needless to say, I walked out upset and really do not know why an account that I had for years was closed for something that I had no clue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied Paypal credit card through Synchrony Bank on XX/XX/XXXX. THe first month, there was an unmarked fee of XXXX dollars in my statement dated XX/XX/XXXX. I called on XX/XX/XXXX AM and asked about this. XXXX at Synchrony Bank told me that it was a security fee I signed up for monthly protection in case I can not pay the bill. I was upset since I did not need or sign up this service. I asked to cancel this fee, but told that I would need to talk with another team. After transferring the line, I was cut off. I called twice more, but still can not cancel this fee and service with Synchrony Bank.

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 2020-04-16
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
First I sent a request to XXXX to remove a Collection that was filed without notifying me about this issue. They did not remove the collection. 
them I contacted the Collection Agency Collection Bureau of America Just because I sent them a letter to remove the collection they immediately stated that they have verified such collection because I communicate with them. 
they sent me a letter that I owe them {$310.00} they did not pay attention to my letter where I am stating the inaccuracies and discrepancies XXXX fail. 

According to Sect. 623 of the Fair Credit Reporting Act states after you dispute with the Bureau you have the right to ask Creditor all the Documents that were provided to XXXX to prove their claim. I did not get such verification instead they sent me an itemized bill? 

I am disputing this debt because I do not owe it, back in XX/XX/XXXX I made payment arrangements directly with the company I made business with which is XXXX XXXX XXXX XXXX XXXX XXXX we agreed to settle this debt for {$220.00} which I did pay the records show that they received the payment however they Re-Sold the debt to a third party collection company. 

Also, I notify Collection Bureau of America that this debt was settled the same year back in XX/XX/XXXX, therefore, they are in Violation of the " Debt Collection Statute of Limitations '' which is 4 years for written contracts in the state of California the debt was settled in XX/XX/XXXX it is 4 years. 
Collection Bureau of America fail to contact me back when they got the collection Re-Sold to them, to my address in XXXX XXXX I live there in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX since XX/XX/XXXX to XX/XX/XXXX creating an Injury to my Credit Report and My Credit Score under FCRA sect. 604 ( A ) ( 3 ) in the hopes of keeping Negative Information in the Credit Bureau Longer under FCRA sect 605 ( c ) running of the reporting period.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX XXXX XXXX is reporting wrong information to my credit report. XXXX XXXX XXXX XXXX XXXX needs to delete the wrong information on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
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:
I have attempted countless times over the past year to have inaccurate and misleading information removed from my credit reports. My latest attempt I again mailed disputes and demand to have inaccurate information removed from all three credit reporting agencies XX/XX/2021. I mailed copies of my identification ( drivers license social security card and proof of address ) along with my dispute letter AND proof that my personal information had been compromised ( XXXX data breach proof and claim filed ) sent certified mail by USPS. I have fraud alerts and freezes on all three reports to indicate that I have been the victim of identity theft.This was again to no avail. According to the FCRA sec 601c inaccurate information must be verified or removed if no proof of account ownership found. I have complied with the law yet XXXX, Experian, and XXXX dont appear to even care about following the laws set before them. Not once in a year have I received any proof of ownership of the accounts that I am being held liable that are not mine. I have submitted proof several times over. They also claim to have directly verified a XXXX XXXX bankruptcy from the source however I have contacted the courts and advised the Northern District Georgia courts do not and will not verify bankruptcy information with anyone or any agency via telephone. I have yet to have this proof in writing as the law states I am entitled. I will not rest until these incorrect and misleading accounts and reporting practices are corrected and removed at once. I know my rights under the fcra and not only are the credit agencies liable but you all will be as well for allowing continuous illegal reporting practices. I have sought legal counsel at this juncture. I do not deserve to have to suffer a life or being non credit worthy based off laziness and incompetence from those responsible for relaying correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
On 10 occasions I have contacted Transunion about fraudulent credentials inclusive of inquiries. I have disputed inaccurate information, 3rd party system reports and they are violating my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I would like the collection calls to stop. Ive been making payments towards the balance. 

I lost my job and became homeless. Thats why I fell behind on my payments. As soon as I got a job, I began to take care of the balance owed. However, Ive been furloughed due to COVID so I am unable to continue making anymore payments. I would like to settle for {$1500.00}. I have saved this amount and would like to pay it to take care of the account for less than the balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A letter of dispute was sent to AFNI, INC on XX/XX/2019 in response to a letter sent from them that I owe {$400.00}. I gave a formal dispute and have not received any reply from the company. I do not owe this company anything and have never conducted business with them. They have since added a collection account to my credit report on XX/XX/2019 which I've never granted them access to. I would like them to remove it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had a car loan with Santander Consumer USA. After paying for many years we requested the company repossess the vehicle. This was XX/XX/XXXX. At a later date we received a XX/XX/XXXX XXXX adding {$5100.00} to our XX/XX/XXXX income due to the amount of the loan adjusted off. Last month I received a XX/XX/XXXX XXXX for the SAME LOAN adding an additional {$4400.00} to my XX/XX/XXXX income for the SAME REASON FOR THE SAME LOAN. I do n't think I should be charged twice for the same loan charge/write off!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Bridgecrest Acceptance Corporation
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I returned vehicle as a voluntary repossession due to damages cause by natural declared disaster XXXX XXXX. Vehicle was sold and account was closed. Now Company is reporting to credit bureaus that I owe a balance and account is delinquent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi my name is XXXX XXXX. 
XX/XX/XXXX. I get a message that said my account was being use to purchase at XXXX  So I call Bank of America to notify them about this transaction and they told me they will need the transactions to progress then they will dispute the transactions. On the day XXXX transactions were make, and my balance went to {$430.00}, so I told customers service to cancel all my debit cards and stop the transactions which they didnt do. My wife and I had the debit cards replace because we told them to do it. 
XX/XX/XXXX. Three transactions were authorized and processed. One of {$3200.00}, {$1200.00} and last one of {$3200.00}. 
So I call and they told me that it has to follow the process and now they are disputing the transactions against crypto.com XX/XX/XXXX. I received a letter saying that they contact crypto.com and they said that to purchase with them I need to verify my identity provided a proof of ID. Also That an authorized dis approve transactions. 
So I call the bank again and told them that only my wife and I are authorized to use the account. They told me write a letter saying that it wasnt me the one who approve the transaction and then faxed to they office. They got the information and make a new investigation and the final resolution is that they arent paying me because I had approve transactions and that crypto said they do require a proof of identification to make transactions with them. Till now Im receiving an email from crypto to verify my Identification so I dont understand how I have access to make transactions. I also told them That I had to restore my XXXX because it was hacked. Also restore all my passwords.

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 2016-09-21
Company: SLM CORPORATION
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
There is no way to set up auto-pay ( auto-debit ) to pay more than the listed payment amount. As per their FAQ page : " If you would like to pay more than the Current Amount Due, you can make an additional one-time payment by logging in to your online account, calling, or mailing a check. '' This is an unnecessary burden on those able to pay more than the required amount and is a terrible way to try to limit a borrower 's ability to pay back loans. This practice for private loans is also a cheap attempt to increase their own profits through additional interest income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation