BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-05
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have 3 cards from this company. A fourth from work. This company has literally gone after me for my occupation XXXX XXXX XXXX and because they are a pos company. 

1. I was refused travel card priveleges due to late payments while the agency was new. IOW the my delinquency which shut off my access to the card and ability to travel was largely due to the travel Dept, for which you XXXX XXXX and the then cfo asked for adjustments, which was denied. 

2. I am now in a XXXX status with no regular income. The bank, upon request for help, froze payments, closed my card, eliminated my XXXX ' access, eliminated my citi app access, adjusted my repayment amount 'on paper ' and refuses to send me a new repayment agreement after I told them I could not find my original. I asked for reinstatement of electronic monitoring ( XXXX and citi app ) which they declined. 

3. They use aggressive tactics that take advantage of my weakened cognitive functions due to my XXXX, forcing me to agree to terms that are unlikely to be filled. 

4. They refuse to resend me copies of my new repayment agreement. 

5. I don't understand how this behavior is legal and / or acceptable. This company is being extremely abusive and ruining what's left of my life by ruining my credit. 

I have no income and trying to get XXXX from the cfpb and from social security. I can't get unemployment. How am I supposed to pay bills or survive?

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 2022-06-05
Company: EQUIFAX, INC.
State: OH
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:
In XXXX I had set up a FORBEARANCE for my student loans with XXXX. They had told me about a program they hard that would base my monthly payment from my income. So I agreed to the program, and they told me to fill out the information for the program from a package they were going to send me in the mail. Months had went by and I continuously called the customer service telling them about the packet that had not came in the mail. They kept telling me to remain patient and that it would be there. I didn't receive the packet until the summer of XXXX. After I filled out the packet and returned it back to XXXX I was accepted into their program. The problem that I have is on my credit report there are two times, XXXX of XXXX, and XXXX of XXXX, that both show 90 days late payment and that is false information. I was continuously on FORBEARANCE until I was accepted into their income program. I first called XXXX about this and they agreed they would make the necessary changes and never did. Now recently they gave my account over to a different company, DEPT OF ED/ XXXX. I contacted them about this situation, and they have refused to honor what I was promised by XXXX. I have wrong and inaccuracies on my credit report and it is hurting my credit score, and they are not doing anything to fix this wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In XXXX I had set up a FORBEARANCE for my student loans with XXXX. They had told me about a program they hard that would base my monthly payment from my income. So I agreed to the program, and they told me to fill out the information for the program from a package they were going to send me in the mail. Months had went by and I continuously called the customer service telling them about the packet that had not came in the mail. They kept telling me to remain patient and that it would be there. I didn't receive the packet until the summer of XXXX. After I filled out the packet and returned it back to XXXX I was accepted into their program. The problem that I have is on my credit report there are two times, XXXX of XXXX, and XXXX of XXXX, that both show 90 days late payment and that is false information. I was continuously on FORBEARANCE until I was accepted into their income program. I first called XXXX about this and they agreed they would make the necessary changes and never did. Now recently they gave my account over to a different company, DEPT OF EDXXXX XXXX. I contacted them about this situation, and they have refused to honor what I was promised by XXXX. I have wrong and inaccuracies on my credit report and it is hurting my credit score, and they are not doing anything to fix this wrong.

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 2017-03-06
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card
Issue: Late fee

Complaint:
PayPal Credit Card charged me a {$35.00} fee on XX/XX/2017 for a late payment. On XX/XX/XXXX, I tried 4 separate times to make a payment through their website, was told it was " unavailable for maintenance '' after logging in. The automated phone system rang busy for 15-20 minutes at a time. I was able

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am new to XXXX and staying in phoenix. I reached XXXX on XXXX XXXX 2015 and I immediately opened an account with XXXX XXXX XXXX as well as applied for a credit card through them which I got after approximately 30 days. 2 weeks back I had applied for a car loan XXXX and approved my loan immediately but later on I was told there is some problem as the address which I have provided on my application does not match with that that on my credit report. I thought some problem will be there and they will come back to me which they did not. After which I applied for an auto loan with XXXX XXXX XXXX and got an approval from them immediately with APR of around 2.5 % and they also send a credit score of XXXX which for me was very high as I did not have any credit card or loan or any credit history but any ways I before going to dealer I just thought of checking the same with them once more and I got to know that there is a problem as again the address which I had provided does not match with XXXX my credit history. I went to XXXX XXXX XXXX and told them the problem. The banking associate XXXX called the loan department in front of me but they said they cant talk to him and insisted on talking to me and again they told me the same problem. They told me it is address of a place know as Surprise which near to phoenix. I never stayed in Surprise. I just did a random search on XXXX and found there is a person with the same name as mine staying there and I am sure his credit information is appearing on my credit history inspite of the fact that my SSN is being used for pulling out credit history. The dealer which I had visited also told me that it looks like there is a same person as you are in Surprise location. I am not attaching any documents as I am not able to pull my credit report as they say my SSN does not match with the address I have provided whereas XXXX XXXX XXXX, XXXX and my dealer could pull the credit history and could see there is a big mismatch.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am a XXXX year old XXXX XXXX XXXX veteran. I applied for my annual free credit report and was DENIED. I was asked questions about financial situations that occurred in XX/XX/XXXX and XX/XX/XXXX. In addition, I was asked for the last XXXX numbers of my primary checking account. I have NOT written a check in decades. I do not have any checks, and that information is blocked on my online account. I was also asked about a bank card. What is a bank card? I have XXXX credit card, XXXX XXXX, XXXX Mortgage, XXXX, and a debit card.. I CAN NOT answer questions about changes or whatever that happened over a decade ago. Experian needs to mail me a copy of my credit report immediately. I will NOT send copies of my passport or other vital id papers to this predator. My bank recently sent me a list of XXXX things that lenders look at, XXXX really jumped out at me. Thou must have more than XXXX type of credit i.e. a credit card, and a auto loan. Is this what is being held against the citizens of the United States. I only have a credit card, a mortgage and a debit card. The mortgage will be done soon. So I will only have a credit card and a debit card. This is crazy, NO debt is the goal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX PARTIAL ACCT # XXXX XXXX XXXX XXXX PARTIAL ACCT # XXXX XXXX XXXX XXXX PARTIAL ACCT # XXXX XXXX XXXX XXXX  PARTIAL ACCT # XXXX DEPT OF EDUCATIONXXXX PARTIAL ACCT # XXXX XXXX XXXXXXXX PARTIAL ACCT # XXXX XXXX XXXX PARTIAL ACCT # XXXX SOCIAL SECURITY ADMIN ACCT # XXXX XXXX  PARTIAL ACCT # XXXX XXXX XXXX PARTIAL ACCT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: LA
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 mortgage was paid in full on XX/XX/XXXX. It is still showing incorrectly on all 3 credit reports. The account is closed but its still showing open with a balance which is impacting my score negatively.

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 2021-01-05
Company: BTH Management
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had a loan with XXXX that went into collections with Plaza Services supposedly in XX/XX/2020 I didnt know anything about this until it showed up on my credit report in XXXX. I tried all XXXX to get in touch with them and could not and today I finally did and they have transferred the account to XXXX XXXX XXXX so I called them today to get the account number to set up a payment plan and she threatened me and said if I didnt pay it all today I would be sued and they had the paperwork ready. I informed her I was not going to do that and hung up. I then got on their website and emailed them to get the account number which they complied and I made XXXX dollar payment, they continue to send me letters demanding the whole amount immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I have a very old auto loan from SANTANDER CONSUMER U. They reported my last payment as XXXX 2015 to the credit bureaus I have n't made a payment or heard of this loan in many years. This is false information, originally ( years back ) when i signed for the loan I was quoted a XXXX monthly payment. When my first statement arrived the monthly amount was over {$600.00}. I attempted to fight this with Santander but it lead no where. This was before an agency like the CFPB was around. I attempted to pay the {$600.00} since the dealership could n't take the car back and was not able to keep up with payments after a period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Grant & Weber
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Company GRANT & WEBER- Original creditor- XXXX Account no. XXXX Date Opened : XX/XX/2011 and reported date : XX/XX/2011 This is a medical bill for XXXX Hospital and should not be on my credit report. Bill should have been sent to my health insurance companies. I was covered a XXXX percent under medicare and medical. Please find the attached coverage information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
After filing an initial complaint regarding how Santander would not accept my payments, I filed a complaint to get help from the CFPB. They responded and ignored the complaint. Since then I have been working with them trying to figure out why I have so much additional interest being paid on my account. Tonight I found out that they would not except my payments in XX/XX/XXXX, and rolled the balance due in XX/XX/XXXX into XX/XX/XXXX. So now I do not know anything from XX/XX/XXXX or XX/XX/XXXX but I owe {$810.00} on XXXX/XXXX/2016. My standard monthly payment is XXXX. Not only are they charging me additional interest but now they are extending the term of my loan that I did not approve of or accept. this is a separate complaint but it is based off of the first complaint as the second complaint it is regarding retaliation by Santander. They continue their corrupt and predatory business practices and I 'm once again left with no option but to reach out asking for help to someone who can make them respond. tonight after trying to understand what they did XXXX the representative disconnected the chat and is now blocked me from chatting with them any further. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: CORELOGIC INC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 it also states that the consumer reporting agency can not furnish an account without my written instruction. Under 15 USCS 1666 b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2016-09-06
Company: DataMax Corporation
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I submitted a dispute with Interstate Credit Collections concerning a charge from XXXX XXXX XXXX. Interstate Credit Collections stated that the debt was valid, but would not provide proof of the debt. They also did not verify the debt through the original creditor but a third party billing company XXXX XXXX and XXXX who have no knowledge of the actual debt.

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 2016-03-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I received a letter today from XXXX. The letter states that they put a fraud alert on my report. Now I repeatedly have sent them my XXXX license, My Notary License and my Pistol Permit. Also utility bills. Now I am a snowbird. I own a house XXXX and XXXX. I live XXXX from XXXX to XXXX. I am retired and cant take the cold weather. I purchased a car a bed set and XXXX XXXX while here. I also have XXXX cars reg XXXX. I did not ask for an alert to go on my account. They refuse to even talk to me. Excuse me if they kept there records straight and asked the creditors to verify the info they put on a record I would not be writing to you now. They will not give a phone number where you can talk to someone either. I am XXXX pay my bills and sick of trying to straighten this out.

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 2022-10-18
Company: Experian Information Solutions Inc.
State: NJ
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:
Hello I have a secured credit card from XXXX bank ( XXXX XXXX ) with {$200.00} credit limit. 
I opened this account on XXXX/XXXX/2022. 
Recently I lost my physical credit card and called to the bank to ask them to send me a new card. 
After that all three bureaus have changed the account status to closed, but actually I just reported the card was stolen or missing. 
I still have available credit limit and status of the account is current. 
My credit age now is 0 months and account balance is 0 also. 
I would like to ask to correct this information 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 2016-11-03
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This complaint is in reference to Santander Consumer USA account # XXXX. I have sent legal documents to this company that releases me from any and all obligations to the allege account. I have sent several certified mail receipt USPS to this company. Until recently, I receive a document from this company to remove there name from my credit report. However, this account is still showing on my XXXX Credit report as a charge- off account. This company has not complied to any of the federal guidelines in reference to credit reporting. According to the fair credit reporting act section 609 ( A ) ( 1 ) ( A ), a company is required by federal law to verify- through physical verification - any and all accounts they report to the credit reporting agencies. Otherwise, anyone paying for credit reporting services can fax, mail, or email in fraudulent account information. On numerous occasion I presented documentation of this account not belonging to me. After several attempts, the company finally responded. I have enclose document receive with this complaint. I have been keeping a careful record of my communication with this company for legal purposes only. Considering Santander is acting in bad faith, I am prepare to file charges against this company for ; Defamation, Negligent enablement of Identity fraud, and violation of the fair debt collection practices act ( including but not limited to section XXXX ) if this matter persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have asked the credit reporting agencies Experian, XXXX to remove a trade line to inaccurate reporting. I have tried several times, NO ONE is listening to me. The incorrect trade line is still there. This is not fair treatment. I have disputed a collection agency /hospital bill for over a year with an insurance company. The bill was paid in full three years ago. The bureau continues to report as paid in settlement less than the full amount after numerous times of advising this information is not true. The collection agency XXXX XXXX XXXX now XXXX stated they ca n't change the bureau, the bureau will need to remove the tradeline as its reporting in error. The agency is stating they have reported all the correct information. I have complained to supervisors, they sent me a letter confirming, paid in full. I feel that I am being ignored and this is affecting my personal life and impacting my credit rating. The hospital, XXXX is at fault for sending my account to a collection agency while I was paying, the collection agency XXXX XXXX XXXX is at fault for initially reporting inaccurately and the bureau 's, Experian and XXXX are is at fault for continually reporting this inaccuracy. I want this trade line removed. I have submitted several complaints. Thankfully XXXX XXXX listened and removed the trade line. Will someone please help me get this resolved.

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