BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2022-11-28
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: Account status incorrect

Complaint:
They are incorrectly reporting as " Paid out of collateral ''. There was never any collateral and there was never any money lent to me. This was supposed to be a savings account- for which they kept the money ( I was told would be returned ) and never provided me with a loan or any kind of service. I made multiple written requests for them to validate the debt or provide evidence of the collateral in question for which they have ignored for more than 60 days now.

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 2022-09-19
Company: NAVY FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
This company illegally combined my information with someone else 's profile. They had the wrong address, email, phone number and social security number on their profile and yet they try and charge me for it. I've been disputing this for a year now and its to the point the where a lawyer should be involved. I haven't had an account with Navy Federal since XXXX and I was told that I can not open another account. Yet, in XXXX an account was opened and is on my credit report. Please address this company and have my their information removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: SANTANDER HOLDINGS USA, 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:
Legal actions were taken against Santander Consumer USA regarding their poor financing and reporting practices. I submitted a copy of the Final Consent of Judgement against Santander from the State of Georgia to XXXX on XX/XX/XXXX. The dispute came back verifying the debt was accurate and belong to me on XX/XX/XXXX. 

My prior car loan with Santander Consumer USA Loan was opened XX/XX/XXXX and there for falls into the dates included in the judgement which are XX/XX/XXXX, XXXX XX/XX/XXXX. All orders of this judgement are dated effective as of XX/XX/XXXX. 

Section 16 of the judgement states " Santander agrees to provide notice to each CRA to which Santander reports, requesting deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph 11 '' Since this account has deficiency reporting, it meets the requirements under this judgement, and it is to be removed from my credit file immediately. Santander Consumer USA is not reporting to the other bureaus, but XXXX is claiming validation of the account I am no longer legally responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Velocity Portfolio Group
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, CKS Prime Investments has violated my rights

. 15 U.S.C. 1681, Sec. 602A states I have a right to privacy. 15 U.S.C. 1681 604A Sec. 2 also states a consumer reporting agency can not furnish an account without my written instruction.

To further add, this account has been settled and : Once a settlement is reached and payment is made as agreed, the collection agency is responsible for : reporting the debt as paid in full, or reporting the debt as settled for less than original amount and considered paid in full, or deleting the collection from the consumers credit report as part of a pay to delete agreement with the borrower, which this company says they will not do. 

The collection agency is required to report the same information to all three credit bureaus. 

I am requesting this to be removed from ALL credit reporting platforms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, 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 have been trying to resolve this issue with this company for a year. No resolution. I did not authorize these inquiries. This company the only company that gives consumers a hard time. They need to be put out of business. They're hurting consumers credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: A.R.M. Solutions, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Phoned company diirectly; said there was no information that showed I owed anything. Several times had called collection agency who claimed they could not get credit card to work and wanted another credit card. A friend gave me her card to use, and they said they could not get that card to work and wanted another credit card. I believe since both cards had been used the same day at groceries and else where, they appeared to be selling credit card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
on XX/XX/22, I sent a Conditional Acceptance letter to Navy Federal Credit Union in order to conditionally accept their offer. They have accepted my form of payment due to the fact that it has not been returned with a notice of dishonor and they have received the instrument as a credit on their books. They need to credit my account the same as I state in my conditional acceptance letter and rebut my proof of claims which they have also failed to do. Unless they can disprove my claims, the debt obligation is that of Navy Federal Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is a very unethical company they have purchased debt from Santander consumer claiming that I owe them now XXXX without explanation I have requested information from them the information that was sent was incorrect. They created a ledger and titled it " Santander transaction history '' as if the file sent was from Santander when in fact it was not. The information on the ledger was incorrect and was not in correspondence with the original explanation of calculation of surplus of deficiency. XXXX claims I owe XXXX and Santander said I owed XXXX XXXX management has yet to clarify why they are requesting the number they are and where the credit of XXXX has came from. On the ledger they created they have claimed I did not pay my car note for the month of XXXX in which I did and sent the proof of statement for that month. It is against my consumer rights to try to collect on an incorrect amount. I have tried my absolute best to get this company to right there wrongs they will not. I have sent a letter breaking down WITH PROOF how they amount they was trying to collect on was incorrect they sent a letter stating that the information was not substantial for dispute! I truly believe the CFBP needs to seriously investigate this company as they are violating consumer rights and defaming me. This collection being on my credit is so detrimental to my life I have tried over and over to get them to remove because they can not verify the debt and they will not this is literally ruining my life. I am a struggling single mother and there are rules and regulations in life that I must abide by regardless of that and I believe companies should do that as well. I live my life with integrity and if I am wrong I will make things right. This company has no morality and does not abide by the laws written for them and I believe they should be truly looked into. You should not run a company disguising yourself as help for the consumer when you're screwing them to collect dollars when you bought the debt for pennies. Its disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Avant Holding Company, 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: Information belongs to someone else

Complaint:
I reached out to the Avant , LLC . back in XX/XX/2022 when I discovered a credit card was on my credit. I informed the company that I never applied for this card and they informed me the card was opened in XXXX, PA which is not where I live. I live in California and have been for all my life. I informed the representative of this and she stated I would have to fill out the fraud affidavit and send it back. Someone from the Fraud department emailed me the forms and I filled them out with a police report number. I was informed a few weeks later that I had to have the document notarized. I notarized the document and sent it back to them in XX/XX/2022. Since sending this update to them, I have not heard anything back from their department as of yet. I have been calling and talking to representatives of Avant , LLC . but not to an actual person in their fraud department. They inform me that the only contact is through email only. I have emailed the department every week for the past four months and still to this day have not heard anything. My credit score has dropped from XXXX to XXXX in the past four months due to the negligence of the company not responding to my request to take this off my credit. They have put a 30, 60, and 90 day late for charges that I did not do. The charges are currently at {$750.00} which the credit card was opened with a balance of {$500.00}. The person who opened this account overcharged the card by {$610.00}. I have in the past two weeks informed the Avant , LLC of this issue and informed them that I wanted a letter to provide to my lender since we have been in the process since XX/XX/2022 to purchase a home and with my score dropping as low as it has needed a letter to take this derogatory mark off my credit. This should not be on my credit, please advise how this issue can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Check N Go sold the debt to XXXX XXXX XXXX XXXX XXXX and a rep named XXXX XXXX keeps repeatedly calling my cell phone using spoofed phone numbers ( # neighborscam ). Another rep named XXXX XXXX, also with XXXX XXXX XXXX, has been using the information they obtained to purchase cars, gym memberships, and auto insurance using my personal information. 

This needs stopped right away and both Check N Go and XXXX XXXX XXXX refuse to communicate in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Byrider Franchising, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I got in a car accident XX/XX/2021 and I had insurance by XXXX  and it was liability insurance. CNAC Didn't reimburse me for my tow as they said they would on the CAR CARE CONTRACT and I didn't receive no rental car when my car was totaled. I filled a claim with JD Byrider under the CAR CARE CONTRACT and JD told me that I had to wait for the claim to be processed. I never received nothing in the mail about me owing this amount on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$3000.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}

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 2022-04-24
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I checked my credit report and I notice some unauthorized accounts and inquires I proceeded to contact the credit report agencies that was reporting the negative and false information but they did not remove the negative accounts and inquires.

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 2022-06-24
Company: CITIBANK, N.A.
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2022 To whom it may concern, One evening, a little over two and a half years ago, I sat down at my desk and started going over my Citibank credit card invoice. I was shocked to see charges on this card, about {$9000.00} worth, that I had not authorized and that I knew nothing about. Contacted Citibank post-haste and informed them of these fraudulent charges they said they would investigate and get back to me. At that time I wasn't particularly concerned because I knew that Citibank had a policy of not charging card holders for fraudulent and criminal behavior. I also studied this fraud and found that they used a device called a " square '' that you could use and only have the card in their possession the first time of use. A few months later I got a letter stating that they would not honor the fraud policy in my case and considered it a " business dispute '' .The only thing that they could misconstrue as a business dispute was the fact that I at one time had considered buying this auto repair shop but I had decided against it very early in the negotiations and I barely knew the shop 's owners. The only way I felt I would get fair treatment by Citibank was to stop paying their bills and compel them to sue me so that I could get this situation in front of an impartial and fair magistrate to get Citibank to do as they had promised and cover this obvious fraud. Sometime later they sent my folder to a collection agency and by the end of the call, a supervisor told me they were going to ship my file back and not take it and if he was he would sue Citibank for criminal behavior. In the meantime every few months Citibank would send me a letter indicating that the issue was still being investigated and that a conclusion would be forthcoming, This has never happened and still I wait. Please understand when I started on this debacle my XXXX credit score was XXXX and I believe that I hadn't been late on a payment in about 40 years. Recently I tried to refinance my home and was turned down flat a direct result of Citibank 's reporting of this unfinished situation. Recently I calculated my loss because of this to be in the tens of thousands of dollars this does not include three stress-related XXXX XXXX that may or may not be attributed partially to this situation. This problem has now been going on for years with no end in sight. Can anyone there help me? maybe by referring me to an attorney that would take this on a contingency basis or reasonable payments. I truly need somebodies help. Please can you help me? 

Thank you for listening, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2023-09-09
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Randomly checked credit report to prepare to purchase another home. Notice accounts that weren't mine. I called the local police department. they couldn't do anything until I attempted to dispute directly. 

These are the fraudulent accounts. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not use any of these companies and 2 of them are debt collectors with debts that I do not even have.

Will be placing credit freezes with bureau as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20
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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Based on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!

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 2022-11-26
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I called customer service @ XXXX as instructed on my statement on XX/XX/2022 at approximately XXXX XXXX XXXXXXXX standard time my first encounter was with XXXX, I attempted to explain to her that I received a {$92.00} refund from my credit card account ( Citi XXXX Preferred ) and tried to explain to her that I did not request the refund but had spoke to a customer service rep after I had paid my balance off and instructed them to place the credit in a Citi savings account that I opened for this credit. What I received in the mail was a Citi debit card which I assumed now had the {$92.00} in it. What I now have is a check sent to me from the credit card and a {$92.00} charge on my credit card. My question was pretty simple ; if you are sending me a refund directly why would I have a {$92.00} charge now on my account? If the money was not transferred to the savings my account should be at a {$0.00} balance. 

The customer service rep ( XXXX ) wanted to talk over me and not hear the question before answering and then she hung up on me. I called back and got another customer service rep and I requested to speak to a supervisor at which point she too hung up the phone. I called back a 3rd time and asked to speak with a XXXX and again my phone call was dismissed. 

Is this the way the corporation does business? I am going to send a copy of this complaint to the CFPB and hopefully they will begin to look into the business practices and treatment of senior citizens as customers who believe we would get the customer service we pay for with the fees the bank charges. 

I sincerely hope you will look into this matter and train their customer service reps on listening skills. 

Dissatisfied customer, 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