BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Credit card
Issue: Credit determination

Complaint:
The bank USAA refuse to remove my name from a credit card over which I have no control. The card is not in my possession, it belongs to my ex-wife. She has complete control over the card, it 's balance and all payments associated with the account. It also carries a high balance, and this negatively affects my credit rating. I simply want to have my name removed from the account and to have my credit rating restored.

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 2015-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX XXXX ; or share my credit report with XXXX XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am a XXXX and have been a top producing agent for more than XXXX years. My buyer used Loan Depot to obtain financing. From the get go, XXXX XXXX ( lender at Loan Depot ) never returned emails. I would get a couple here and there, but I would have to send multiple emails to get a response. After 3 weeks of her having the contract and clsoing date, she sent an email out that we needed an extension on the closing because she just locked the buyers loan in. That is after 3 weeks of being under contract. I was getting no where with XXXX because all of her answers didnt help, so I had to get in touch with a Manager. I spoke to XXXX XXXX. That was about 3 weeks ago and he said he reviewed the buyers file and it was a " squeaky clean, '' and he let me know he is a solid buyer with no issues. I relayed this to the seller, even with the sellers mother ( who is a broker in the area ) told me she does n't feel good about this company, and that is why they allowed the extension. I convinced the seller that everything would be ok and XXXX XXXX said the deal was going to be easy and there were not going to be any issues. All of a sudden I received an email from XXXX that stated the loan was denied. He would not give me any specifics, so I had a local company run the buyers credit, well the buyer did not get financing because of his credit. Its sad that Loan Depot took 40 days to figure out his credit was going to be an issue. I do n't get it!! I looked at the pre-approval letter andit said this was already taken care of. This is something that should have been known from the get go. I feel bad for both the seller and buyer. The buyer wasted $ XXXX on the inspections and appraisal and the seller was purchasing a new home and wasted {$1000.00} on her inspections and appraisal. I am just tired of companies like this lying to buyers and sellers and it needs to end. I am a real estate broker and if I conducted business like this, I would expect to lose my license or would have to take more schooling because I dont know how to work in this business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called Santander to settle a closed account that was closed in 2015 due to repossession. I called from a recorded line and have verification that the account was settled for {$1500.00} - I told them this was all the savings I have as my family is homeless and they took the payment and swore 7 times that this would be taken off my credit report - I disputed the information with XXXX - providing receipts and the dispute came back as accurate and it was dismissed despite my verification. I still cant get a home for my children and I because of this appearing on my credit report - despite me paying this company and having them swear on a recorded line it was settled and would be removed from my credit report I have audio documentation and receipts. Im writing this from the car we sleep in. I cant sleep from anxiety this is causing. I have XXXX young children Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: EQUIFAX, INC.
State: NJ
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:
On XXXX/XXXX/XXXX spoke with XXXX in C/S dispute area of Equifax XXXX after holding over XXXX minutes XXXX XXXX day I received an email from Equifax with a confirmation number. 

Every time I tried to access on line to see my updated info I was locked out by Equifax. 

Called again a couple of days later, after about XXXX minutes of being on hold a representative answered and I was immediately disconnected from the call. 

Called back a little while later and the automated system cut me off. 

Called back today and the automated system cut me off. 

I can not access my dispute on line because I am locked out and I can not reach them on the phone because I " mysteriously '' keep getting cut off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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 XXXXXX/XX/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 2022-05-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 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 are the accounts that are reporting on my Credit Reports : EXPERIAN : XXXX. 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

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 2017-05-23
Company: Fidelity National Information Services, Inc. (FNIS)
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My ex had a bank account with  XXXX   XXXX  in Arkansas  in 2014 tha t was overdrawn and he never paid it off. I was an authorized user on the account. The amount is {$700.00}. I went to the bank to pay it off on several occasions and they say that my name is not on the account and I am not allowed to pay it off or even make a payment on the debt. But the account is on my 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 explanation
Consumer complaint received 2016-01-14
Company: SYNCHRONY FINANCIAL
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I made a payment to my Care Credit account before the payment was due and before I received a statement. To date I still have not received a statement. The service was rendered XXXX/XXXX/XXXX. I set up an online payment account and made a payment of {$200.00} on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I logged into the Care Credit website to make an additional {$200.00} payment. I discovered the system showed a payment of {$25.00} due on XXXX. Care Credit had assessed a late fee of {$25.00}. I called customer service to ask how I could be assessed a late fee when I had made a payment of {$200.00} XXXX. I was told the {$200.00} was not within their payment cycle so it was not recognized. When I asked the customer service representative to explain why my XXXX/XXXX/XXXX payment was not recognized she became frustrated and hung up on me. I called back and spoke with a different representative and explained I just made an additional payment of {$200.00} ( {$400.00} since XXXX/XXXX/XXXX ) even though the minimum payment due was {$25.00}. I was told regardless of that payment, I would still be required to make an additional payment before XXXX XXXX or I would be assessed an additional late fee. This practice is onerous and predatory. I do not understand how making a payment before it is due and for an amount greater than the required minimum could possibly be considered late and subject to a late fee. It would seem to me that any payment made within a cycle would be recognized. I can afford to pay this account in advance but many can only make the minimum payments when due. I ca n't help but wonder how many consumers are being charged these fees despite their responsible attempt to make payments as required. This is awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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 XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2019-12-12
Company: Experian Information Solutions 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:
I HAVE RECENTLY REVIEWED MY CREDIT REPORT AND DISCOVERED DEROGATORY ACCOUNTS WHICH ARE NOT LIABLE TO MY NAME. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS HAVE BEEN INACCURATELY PLACED ON MY REPORT WITHOUT MY KNOWLEDGE. PLEASE RE-INVESTIGATE THIS MATTER AND HAVE THOSE ACCOUNTS OFF 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 explanation
Consumer complaint received 2021-11-18
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax 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 are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2017 XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX Balance Owed : {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 use to have Capital One mastercard which i closed and paid in full on XXXX XXXX, 2011.
shortly after closing i received another statement with {$1.00} charge, i called to see why and i was told that was computer glitch and promised to be fixed. i have been trying to resolve the issue but Capital One has no record of my account or they claim that is old and no longer on their systems, however they continue to report negative item to credit reporting agencies. As of today despite my efforts and numerous call and letters sent to Capital One, this matter still reflects negative on my credit reports and have been denied and turn down loan because of it. my closed account ends with # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TD BANK US HOLDING COMPANY
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 information incorrect

Complaint:
The vehicle loan was financed through TD Auto starting XX/XX/XXXX. About 7 months or shorter into the having the vehicle someone stole and totaled the it. After several months of unanswered questions by TD Auto I was finally able to pay off the vehicle in full. Fast forward to today I noticed they marked this as a charge off in XX/XX/XXXX. I have not been able to get any answers as to why this is marked as a charge off. The charge off needs to be removed from my credit report because I had nothing to do with someone stealing and crashing the vehicle. I should not be penalized for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
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: Their investigation did not fix an error on your report

Complaint:
There is inaccurate personal information reporting on my credit file : Incorrect Names : XXXX XXXX XXXX ( XXXX, Equifax, and XXXX  ) Incorrect Address : XXXX XXXX  XXXX  XXXX XXXX and XXXX  XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX ( XXXX  XXXX Incorrect Address : XXXX XXXX XXXX ( Equifax ) Incorrect Address : XXXX XXXX XXXX There are several accounts reporting that does not belong to me : XXXX XXXX XXXX - Opened XX/XX/XXXX Balance : XXXX XXXX  XXXX XXXX - Opened XX/XX/XXXX Balance : {$7600.00} XXXX XXXX - Opened XX/XX/XXXX Balance : {$14000.00} The following accounts is inaccurately reporting late payments : XXXX XXXX - Opened XX/XX/XXXX Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I sold a XXXX channel by using a famous trusted escrow service of fameswap. They transferred the payment ( XXXX $ ) to my paypal account. The amount has credited and paypal said that will automatically withdraw to my bank account. After 1 day they asked me about the transaction. I send the screenshots and other detailed explanations. After they reviewed my information they said they permanently blocked my account and my money is in hold for 180 days. They are not specifically saying what is the reason and not giving a chance to solve the issue if I did anything wrong. That was a urgent need money, so I asked them several times and I complained by messaging them. They are saying " Having limitations on an account doesnt necessarily mean that youve done anything wrong '', then what right they have to hold my money also after I gave their fee for the transaction. The money was very urgent for my personal needs. So I sold my channel and all the process was legally correct and paypal cruelly cheated me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My debit account has been locked on XXXX contacted bluebird XXXX  customer service more than once and i am told i am permanently suspended. i have no access to my XXXX and i am told my account is under review by another department and there is nothing i can do to access my funds and no immediate contact to the other department. this is obscene, how can a company with the visa logo lock an account with funds available in it and tell you there is no current way to access your own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/2021 I received a letter from the Attorney General of Missouri about my complaint on XXXX. According the letter XXXX sent to the Attorney General Office, XXXX has decided to keep violating my rights under the FCRA. I have disputed the information XXXX, Transunion and XXXX is furnishing several times. I have also sent XXXX, Transunion and XXXX the letter XXXX sent me, saying that the information is inaccurate. Also, from XXXX, Transunion and XXXX furnishing this information I have been denied credit on several occasions.

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 2020-06-10
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
In XXXX of XXXX I refinanced my XXXX XXXX XXXX from Bridgecrest to a new lender. I was not aware that time but my GAP insurance was cancelled and I was owed a refund of {$640.00}. At that time Bridgecrest did not advise me of this. For an entire year they withheld the {$640.00} after my loan was no longer with them. Finally in XXXX of XXXX I received a letter indicating that if I would like to receive my GAP insurance refund I had to sign and submit the attached request. I did that and the request was processed by XXXX XXXX on XX/XX/XXXX. Last week I contacted XXXX XXXX via e-mail because it appeared that had an old address on the confirmation the sent me. They told me that Bridgecrest would be sending the check and I had to contact them. I have an auditory processing disorder so my wife contacted Bridgecrest for me that same day and the indicated they had no idea what she was talking about and told her to call back the next day to talk to the financial department. 

She waited a week to give it time to get in their system, then she called back two days ago. She spent almost 45 minutes on the phone waiting on hold. Eventually the representative told her that they had to contact XXXX XXXX. The rep contacted XXXX XXXX, confirmed that there was a GAP refund of {$640.00} that needed to be sent. The representative came back on the call with my wife and told her that the check won't be sent yet because XXXX XXXX hasn't yet notified them. Even though XXXX XXXX JUST told her that a refund was owed, so I'm not sure how almost 4 weeks later that isn't " notification ''. The rep told my wife that it could be up to another 4 weeks! 

My wife also asked about the issue of the incorrect address. The rep said that she would add a note to the file but couldn't guarantee it would be sent to the correct address. The old address is no longer forwarding my mail so if the check is sent there it will be as good as gone! 

My wife asked if the funds could be directly deposited to my bank account and the rep never really answered her question and just brushed her off and talked about the mailing date. 

In the current days of massive job layoffs and covid-related expenses, this {$640.00} would go a long way in helping my family. However, after holding on to it for a YEAR after it should have been return, it seems Bridgecrest is in no hurry to send it to me.

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