BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-22
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2020-03-12
Company: Experian Information Solutions Inc.
State: AZ
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:
I have a serious situation with Experian regarding the following : I contacted them on several occasions and got either no help, they didnt understand what I meant when I explained in detail, they told me things that were not correct about my account, transferred me but didnt say what type of department I was being transferred to. I someone based on all of the screen shots could log in which is one serious issues as you will see from my emails I sent to them. I started a dispute and it logged me out and then started over but there is a character limit so they cant read what all I wrote in addition to continuing to email me saying new information is a available now and to log in well either I log in and says I have an account or gives errors and if you see the PW reset I cant even believe thats what it says. I have tried every avenue, I even left a message with 2 people in their regional offices two weeks ago and not even a call back from either to say something such as XXXX, here is where I can direct you, we are happy to help etc. this is a mess and so many issues its hard to write them all but also I asked point blank to send me something or send XXXX XXXX XXXX who declined me and in approx 19 years ( 6 vehicles leased back to back which is considered a loyalty customer still declined me ). My lease was up XX/XX/XXXX and I know nothing other then to do what Ive done for my last repeat leased vehicles but schedule my vehicle inspection, turn in and release. Well now I will have no car, have to pay out of pocket for the disposition fees, and whatever else versus those being waved. XXXX was gracious enough to extend my lease for me for 2 months to help me work on my credit as there are items that are wrong. I successfully was able to dispute a medical bill in collections that never should have been in collections with XXXX and yet Experian still has it and reporting it. This is not right when I have done all I can and have spent a month on this daily. They claim all of these things and give wrong information and pawn you off on others because say they dont know why I cant log in. Well I could and they even mailed me my credit report which is so long and so negative and wrong items but yet I cant dispute other then the one I started and instead of coming back and saying they cant read or understand it because it allowed me to only give like 3 sentences they started a dispute and apparently its complete but I cant see the results. I just need to attach please what I sent to them as I think that will sum it up. Thank you so much

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a collection letter from Convergent Outsourcing Inc . They claimed i owed XXXX XXXX {$430.00}. I called XXXX to verify and they ensured me that my XXXX account was closed and no past due balance on it. I am very worried and scared this will mess up my credit report. I also accidentally gave them the last 4 of my social. This is fraudulent, please stop them from doing this to other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: RI
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 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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:
I have reach out to XXXX  XXXX  about innacuracies on my credit and ask to validate the debt as well as original contract. They have not responded within the legal amount of time and have unaccuries on my credit report and addresses and amounts they can not validate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have reach out to XXXX XXXX  about innacuracies on my credit and ask to validate the debt as well as original contract. They have not responded within the legal amount of time and have unaccuries on my credit report and addresses and amounts they can not validate.

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 2020-03-12
Company: Quality Asset Recovery LLC
State: TX
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:
I received a call on XX/XX/XXXX from XXXX XXXX of Quality Asset Recovery. He began blasting me with accusations that my son owed money from a rental apartment in XXXX XXXX, TX from XXXX. Mr. XXXX did not appropriately explain the situation as this was the very first time I had knowledge of any owed money. When I asked him for information to understand the situation, he became defensive, and started to use intimidating and threatening language. He said my husband and I are co-signers of the lease and if we didnt want to ruin our credit, we needed to pay the money owed. We have never received any communication prior to this phone call about any remaining money owed to the rental apartment company. 
I told Mr. XXXX that I was taken back because I felt he was bullying me, and asked him to go over everything again so I could write it down. He said he wasnt going to do that and to speak to my son because obviously he was lying to us. ( he actually said that! ). I told him he was being inappropriate and I was going to report the call. He again got defensive and said to call him back when Im ready to not have our credit ruined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: AMERICAN EXPRESS COMPANY
State: SC
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 rewards from credit card

Complaint:
Applied for CC on XXXX ( XXXX XXXX ) Website about XX/XX/XXXX which offered XXXX Starpoints after spending {$3000.00} within 3 months. Approved for offer, but never rec 'd CC. Called Customer service said would send CC right out, but after 2 weeks never rec 'd card for another week so called back & CS rep said will send XXXX, next day rec 'd card along with another card by post office. I used first card, but soon found would n't accept charges. So I used other card which did. When I rec 'd second bill, I called to see if I met requirements & when was I getting XXXX Starpoints. Rep said my card was n't eligible for points. At this point, I spent over {$4000.00}. 
In my opinion, they mislead the program especially after approving my application. They never called me about not giving points or the CC I was using being ineligible. I was approved & after meeting the requirements for spending money I should be given my XXXX points. Switching my card w/o telling me should be some sort of violation i.e. fraud. 
The Financial organization handling the transaction was AMEX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
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: Information belongs to someone else

Complaint:
these accounts below do not belong to me and they are bring my credit score down each month and Im in the process of rebuilding my credit after a Bankruptcy this account dont belong to XXXX XXXX XXXX account # XXXX Opened XXXX/XXXX & Balance {$2100.00} two account is mine and it has lates but I was never late, they are below XXXX XXXX XXXX opened XX/XX/XXXX lates reported XX/XX/XXXX Not late lates reported XX/XX/XXXX Note late XXXX  XXXX # XXXX Opened XX/XX/XXXX balance {$630.00} Late reported XX/XX/XXXX Not Late

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 2020-03-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX some orders showed up on my USAA Federal Savings Bank XXXX account. These charges originated from XXXX and XXXX. I immediately contacted XXXX and USAA and XXXX to report the fraud. USAA was contacted on XX/XX/XXXX and the temporary credit appeared on XX/XX/XXXX. I was not at home at the time and arrived back home on XX/XX/XXXX. The bulk of the items were delivered on XX/XX/XXXX but were not present when I arrived home on XX/XX/XXXX. I reported this to XXXX and XXXX as well as USAA. On XX/XX/XXXX the Debit Card Recovery reversal in the amount of {$1900.00} appeared on my USAA account. I received a letter on XX/XX/XXXX stating that 6 of the seven items that were claimed as fraud were found to be not fraud and one item was found to  be fraud. USAA finally ensured that the affidavit was sent to me as well as supporting documents after the decision on XX/XX/XXXX and XX/XX/XXXX. I was told by the Fraud Claims Department that submitting the affidavit will do nothing to change the decision already made. I also attempted from XX/XX/XXXX onward to contact XXXX and XXXX to settle this matter. Both XXXX and XXXX stated that because the fraud claim was submitted to USAA for the Debit card fraud that it was impossible to submit claims with their companies. Even though I followed the procedure of the Bank and XXXX and XXXX by reporting this fraud immediately, They continue to deny fraud occurred. I believe that saving my XXXX card Credit card information on XXXX as well as poor security measures is what caused the fraud to occur.. I have exhausted all avenues of settlement and desperately need help in settling this matter. Returning the {$1900.00} to my account is the only fair resolution in this matter. I followed the procedure and immediately reported the fraud and yet I am being held responsible for the disappearance of the packages that did not order in the first place. I believe that saving my Debit card Credit card information on XXXX as well as poor security measures is what caused the fraud to occur.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: TX
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:
To Equifax I'm not here for a Dispute, this is a demand. This account/ report was created without my consent, an my privacy was violated. I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Santander Consumer USA Holdings Inc.
State: OK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have a car loan with santander consumer USA. I have had my car loan since XX/XX/XXXX. I have been paying ontime until i lost my job. I called santander and notified them of my job lost. Some of their representatives were very rude and did not offer much help or options. I was never offered a lower payment plan or forberance. All they wante dwas their money. The company claimjed they tried to call me several times which i never received calls fron them. They repossessed my car without notice no mail no phone call and on the weekend. I have been trying to work with them and all they are is rude and would not work with me.My experience with santander has been awful.This has been an expereince from XXXX. they knew I had lost my job. I did not have an issue with paying them, I was trying and have been trying to work with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
There was a debt ( XXXX XXXX ) removed from my credit report but was added back the same day without notifying 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
Consumer complaint received 2020-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my IRS refund check into my Bank of America checking account through the atm on XX/XX/XXXX. At the time of the deposit the deposit confirmation said that my funds would be available on XX/XX/XXXX. I went on my bofa app on XXXX to check the status. It said that the funds are hold until XX/XX/XXXX. The check amount was XXXX. I called bofa to try and understand why they would put an IRS check on hold. They then told me that the issuing bank has not verified that the funds were available. Naturally I called the issuing bank. They said that they hadnt had any request for payment of that check from bofa. I waited a day to allow transaction process to take its course. I called bofa again on XX/XX/XXXX and they said they still hadnt received a response from the issuing bank. So, again, I call the issuing bank to see what was going on. They told me that I needed to contact my bank and find out why they are holding my funds because they sent the funds to bofa on XX/XX/XXXX. Bank of Americas response to my question, where are my funds, is the same, they have not received the funds from the issuing bank and that they still havent verified that the check is good. But meanwhile, they have the funds already.

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 2016-05-02
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I paid my vehicle loan company ( Santander consumer USA/ Drive Financial ) through my banks XXXX electronic funds transfer system on XXXX XXXX. XXXX XXXX I received a voice mail message stating that my car note was late. I immediately called the etrade who gave me a confirmation number provided to them from Santander. I then called Santander and was told that even though I had a confirmation number I would need to submit a copy of my bank statement showing the said transaction. I sent my bank statement on XXXX XXXX and an additional document showing all of my bill payments to Santander. After Santander received the documents I was told they were insufficient and I needed a copy of the electronic funds transfer or the check that etrade sent to them. I called etrade and was told that they have no way to provide me with either piece of documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
After repeated attempts, Experian was the only credit bureau I was unable to receive my annual free report from using XXXX. After repeated attempts to contact them by phone to rectify this problem, I was unable to ever get passed their automated call screener. My problem could have been very easy solved by a human in less than a minute. I was a victim of unemployment insurance fraud in my state and merely wanted to verify no other fraudulent activity existed on my 3 yearly reports. Experian simply seemingly refuses to supply with with a free yearly report, in violation of 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 non-monetary relief
Consumer complaint received 2017-05-26
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This not my account. I have had  XXXX   XXXX  during the period this was occurred. Please remove this from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX, XXXX, Experian were sent certified letters notifying them of inaccurate information in credit report such as inquires, debt validation and outstanding information pass the 6-7 year mark to remove information according to the FFCRA. I spoke to a representative and they refuse to remove inaccurate inquires on credit file. The reporting agencies has not verify any of these inquires showing any proof that I have sign or authorized as such. I ask that any items 7 plus years get removed, any addresses and phone numbers that is not associated with me to be removed as well. My credit file is locked and is still accessible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XX/XX/XXXX, I used PayPal to pay for several purchases. I got a bill from PayPal Credit.
My PayPal account is backed by a VIsa credit card. I have always paid PayPal thru this credit card. That is the way I want it to STAY.
I called PayPal Credit. They have opened an account thru Synchrony Bank, IN MY NAME!!!!.
This was done WITHOUT my Knowledge or Approval!!!!!
I consider this FRAUD!!!!!
I closed the account with Synchrony Bank.
I saw online, That in XX/XX/XXXX PayPal PAID a XXXX XXXX FINE for doing this ILLEGAL ACTIVITY!!!!! THEY ARE STILL DOING IT!!!!!!!
P.S. I had to go online to find out who to complain to. I asked PayPal credit & Synchrony Bank. THEY WOULD NOT TELL 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
Consumer complaint received 2019-10-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2015 {$2000.00} I provided collection company and all three credit bureaus with proof of identity theft an police report documentation in regards rlto criminal investigation with all fraudulent accounts listed in report. XXXX and XXXX removed account. But even after several attempts XXXX  has yet to comply with fair credit reporting act and continues to list fraudulent account in my credit report. I have ask for proof of there debt validation letter or supporting document but XXXX  has fail to furnish any documentation even thought they are claiming they verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-27
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a loan with Regions which is due on the  XXXX  of the month. I do not receive my SS check until after the  XXXX  which is within the  10-day grace  period. I have never had to pay a late charge on this loan and do n't intend to in the future! However, the bank calls continuously beginning after the  XXXX , sometimes  4-5 times a day. I received two  yesterday while I was sitting at the doctor 's office. I am requesting that the calls cease now! Again, I 've always paid the monthly amount within the proper time and within the 10-day grace period.

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