BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: Eastern Account Systems of Connecticut, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX XXXX, have received 3 notices from Eastern Account System of Connecticut , Inc . They are saying that I owe {$310.00} or if equipment returned, debt would be {$210.00}. A person at Eastern said person who incurred this debt used my name, date of birth and address. My date of birth is XX/XX/XXXX. My address is XXXXXXXX XXXX XXXX XXXX Fl XXXX. My SSN is XXXX. I have learned that the address of this person is XXXX XXXX XXXX XXXX, XXXX Il XXXX. The period charged is from XXXX XX/XX/XXXX. XXXX 's phone number is XXXX -- XXXX or Account number is XXXX. This amount is shown on my credit report. I want it removed please. I did contact the XXXX Sheriff 's office at XXXX. I was transferred to a nice deputy for the area. He said it is an apartment complex that is now vacant. It was purchased by XXXX XXXX, in XXXX XXXX, Mo. I tried calling them and left a message. Call not returned. Their phone number is XXXX. XXXX Credit Bureau has Eastern Account system down twice. One is for {$210.00}, and the other is for {$100.00}. My local sheriff 's dept says it is out of their jurisdiction so wouldn't take an ID Theft report/fraud. I was given a phone number by XXXX for this person as XXXX they haven't tried to call the number. I don't know if Eastern has tried or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I opened an auto loan with Santander Consumer Inc. XXXX of XXXX. My first payment was XXXX of XXXX. My credit started reporting from that point, I made payments on time and in full. In XX/XX/XXXX, I joined the military. While in basic training, my mother was granted access to my account to make payments, she received a noticed that because I joined the military, I would receive a discount of {$100.00}. Taking my payments from {$350.00} to {$250.00}. Once I was out of basic training in XXXX of XXXX, I checked my credit report only to see that my account with Santander Consumer Inc. was no longer reporting and the account was taking off my report. I reached out to the company where I was informed the reason why was because of SCRA. I told the agent I was aware of SCRA however I didnt consent to this action. I was sent a waiver through the mail to sign, to agree for the continuance of the reporting from the company. Once the paper was signed I was told that it would take 60-90 days. I reached out to the agency in XX/XX/XXXX. I was told that the information wasnt received, a week later I was told that the information was received and that it was being sent up for a review and it would take 60-90 days for it to report. The account never reported, I called in XX/XX/XXXX & was told to contact the three major credit bureaus, the company stated the information was sent to them & that it would be up to them if they wanted to added the account back to my credit summary. I reached out to the credit bureaus and I was told that there wasnt any documentation sent to them in regards to this account. From XX/XX/XXXX until current of XX/XX/XXXX I have been back & forward with Santander Consumer Inc & The three major credit bureaus about my auto loan account being added back to my credit report and nothing has been done. I was informed by the credit bureaus that they dont added, modify, or delete accounts it is in fact the company. I have been attempting to get this problem fixed for over a year & nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: BSI Financial Holdings, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hallo, My name is XXXX XXXX and my credit score was greatly impacted cause of late payment. 

I want to state that I have always had a good credit and have never defaulted any payment, on as of XX/XX/XXXX my mortgage was transferred from XXXX XXXX to BSI Financial but the only notification I received was on mail but unfortunately I was out of country until XX/XX/XXXX. 
I have proof of communication with my past mortgage company inquiring what was really going on cause theres auto pay amount taken from my bank. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a 30-day late payment status on my mortgage account listed on my credit report, called XXXX XXXX XXXX XXXX XXXX which date was opened on XX/XX/2018. I have disputed this account with Equifax and they have not removed/updated this account to reflect a " never late ' payment status from my credit report and Equifax and XXXX XXXX XXXX XXXX XXXX XXXX the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this 30-Day Late Payment from my mortgage account immediately and if it is not removed, then I will be filing a lawsuit against Equifax and XXXX XXXX XXXX XXXX for not removing this inaccurate late payment status from my credit report. I have attached a copy of a letter which I received from the creditor, which I already reported to the credit bureaus already. In the letter they stated that this 30-Day Late Payment Indicator is an error on their end and for the credit bureau to update the record to show pays as agreed and a never late status. Therefore, I have attached it to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: IN
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:
Recently I did and investigation on my credit report which caused me severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct under 14 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that Under 15 U.S Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation and promptly notify the information that the information has been modified or deleted from the file of the consumer. If y are unable to provide me a copy of the verifiable information within 15 days after your investigation you must remove the accounts and the information listed below and they have not gotten back to me or removed the accounts

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 2017-09-25
Company: COOLEY ENTERPRISES 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:
I disputed an incorrect date on XXXX XXXX with XXXX for the XXXX XXXX account listed on my credit report, and a month later XXXX XXXX sent me an notification that the XXXX XXXX account has been deleted off my credit. This dropped my score 117 points. I contacted XXXX  and they said they sent a letter to XXXX XXXX on XX/XX/XXXX and due to no reply back after 30 days the account was deleted. I 've contacted XXXX XXXX numerous of times and even reported this problem to bbb.org. I have been getting the run around since XX/XX/XXXX and no one seems to not know what to do. FInally in early XX/XX/XXXX, someone responds to the bbb  complaint and says they re loaded my account information in XXXX and the credit companies should see it. I contacted XXXX  only for them to tell me that they ca n't see the account in XXXX, and I need to tell XXXX XXXX to complete an re insertion by contacting XXXX marketing services. I was told this by a male rep. I contacted XXXX XXXX to relay the information and they tell me they contacted marketing services of XXXX and XXXX is telling her that XXXX XXXX  was never an account on my credit. This is so frustrating, for 2 months I have been on hold to accomplish some life goals, because my credit is holding me back all because of XXXX XXXX. Please help me. I will attach the reply from an XXXX XXXX manager on bbb and I will attach the payment history in XXXX XXXX, and I will attach a screenshot of the notification of the account being deleted.

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 2017-11-08
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
After moving over XXXX XXXX XXXX my then fiance, wife, now ex-wife and i consumed over {$50000.00} in debt. It has all fallen on me and i have no idea how to get out of this financial whole, need help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: CBC Companies, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have called company multiple times over the past few weeks and submitted claim to get this resolved and the issue is still not corrected. I am unable to view my credit report and score and mortgage company can not generate report stating the credit file is suppressed. I spoke with XXXX who stated they could see my report and score on their end and did not know what the issue was. this is very concerning as they have no other alternatives to resolve the issue outside of escalation. I can not close on my home until this issue is correct in the prior complaint XXXX never corrected the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I been trying to apply for a credit with capital one they keep on telling that they can't do business with me. They blacklisted me from applying. I had a car loan with them XXXX to XXXX I paid that off with no problem. I never was late. I am wanting to know what is the problem I spoke to employees they don't understand why I an being black listed I do not owe them people at. I want thorough proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: NC
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:
I took a look at my Credit Report and noticed a few Hard Inquiries that seem very suspicious. I have never seen these HARD INQUIRIES and I did not Authorize my Credit to be checked in order for these Inquiries to show on my Credit report please remove them asap.

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 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a fraudulent Collection/Account. Debt Collection Agency did not send any correspondence that I owed the medical debt, which the debt collection agency did not notify me before inserting this {$59.00} small debt on the credit report, which is a violation of my consumer rights and they violated the Fair Credit Reporting Act. Also, I have paid this account with the collection agency, which I new it was not my debt, but I paid it in good faith, and I am demanding that this account is removed from my credit file immediately! If not, then I am taking this matter to court and filing a lawsuit. Also, I have proof that this debt of {$59.00} is paid. Also, the collection agency people did not e-mail nor fax me a copy of my paid receipt, which they are wrong on that level as well.

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 2022-07-01
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated that my account was properly investigated, but how is that possible if the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal they also violated my rights under 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.

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 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello I contacted the Main Company that allowed someone to apply for credit which cause XXXX XXXX XXXX XXXX California to run my credit with over 30 different companies on XX/XX/XXXX. I spoke with the General Manager of XXXX XXXX XXXX XXXX California XXXX XXXX, and he did apologize and admits this was done in error and they would all be removed, however these inquires remain on my report. I contacted each creditor and they were rude and not willing to take action in removing these inquiries from my credit report that were all done on same day XX/XX/XXXX and XXXX, XXXX. In the result this has caused my credit score to drop and preventing me from having excellent credit. Below is a list of the companies that I have inquiries from and demand they be removed. 
XXXX XXXX XXXXran XXXX  times JXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX- Ran XX/XX/XXXXtimes XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/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 2022-08-22
Company: EQUIFAX, INC.
State: NH
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:
My credit report recently dropped XXXX points. This was due to a supposed missed payment on a credit card. I wrote to the 3 reporting companies and told them I do not have a XXXX credit card. Equifax told me I needed to correct the issue with XXXX Bank. 

You will notice that I had a previous complaint with XXXX for issueing a card I did not ask for. Evidently, XXXX issued the card to someone else and they have rung up charges and made small payment, then stopped making payments. It has been impossible to get a person on the line at XXXX to discuss this. They keep asking for the account number, which I don't have as I never has the account. 

I never had this XXXX card. 

I was in the process of buying a house, and now my credit score is trashed. 

Credit rating companies should not be able to just pass this off that it is not their fault that the information is incorrect. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: CITIBANK, N.A.
State: OH
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:
Dear CFPB, I am writing to file a complaint about Citi after an error resulted in a duplicate charge on my credit card and zero payment to the vendor. 

On XX/XX/2022, I processed one charge on my Citi credit card in the amount of {$92.00} to a vendor for services rendered. In return, I received one receipt from the vendor via XXXX for this same amount. 

However, on my monthly credit card statement from Citi, I noticed a duplicate charge to that vendor on XX/XX/XXXX, resulting in total payment to Citi of {$180.00}. On the vendor 's side, they did not see a duplicate charge -- they only received one payment of {$92.00}. 

I filed a dispute with Citi for the duplicate charge. As a result of the dispute, Citi issued a credit of {$92.00} to my account. At the same time, though, Citi notified the vendor that the vendor had lost the dispute and reversed payment to the vendor. As a result, the vendor was paid {$0.00}, and I paid {$92.00} to Citi. 

The vendor has been unable to dispute the problem on her end, because XXXX did not have record of a duplicate payment. The duplicate payment is only visible on my Citi credit card statement. 

I am filing a complaint because Citi seems to have pocketed the {$92.00} charge that I paid.

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 2022-06-08
Company: EQUIFAX, INC.
State: WI
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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: CO
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:
Have held a XXXX XXXX card/account for some years. However, within the last month or two, there is an inquiry for a new account on my credit report. The inquiry is for a XXXX XXXX account, that I have NEVER applied for. I never received any notification that my credit would be ran for such new account. When I sent a customer inquiry asking both why I had a balance on this XXXX  account and why my credit report was pulled for this account when I never authorized it, I received a response telling me they could not send that information to me via email. In order to maintain a decent credit score, I made a payment in full on this XXXX account. But I NEVER applied for this account, I NEVER received a card for this account, I NEVER made a purchase on this account and I NEVER authorized them to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Have held a XXXX XXXX card/account for some years. However, within the last month or two, there is an inquiry for a new account on my credit report. The inquiry is for a XXXX XXXX account, that I have NEVER applied for. I never received any notification that my credit would be ran for such new account. When I sent a customer inquiry asking both why I had a balance on this XXXX  account and why my credit report was pulled for this account when I never authorized it, I received a response telling me they could not send that information to me via email. In order to maintain a decent credit score, I made a payment in full on this XXXX account. But I NEVER applied for this account, I NEVER received a card for this account, I NEVER made a purchase on this account and I NEVER authorized them to pull 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 non-monetary relief