BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not know that through using a consumer counseling agency it appears that nobody reports my payments to credit bureaus. The consumer counseling agency ( XXXX XXXX ) stated that they don't report to credit bureaus. I contacted the company ( XXXX XXXX ) whose been receiving my payments and they haven't reported to the credit bureaus either. ( They asked me to send them a copy of my credit report. I didn't see a reason for this because they know when they have received money on my account. ) I contacted XXXX to dispute the fact that the credit report record indicates no payments under this company. The dispute was resolved according to XXXX and they lowered my score 10 points. I sent them a letter asking for an explanation about why my score was lowered to be sent to me in writing. To date, I have not been given a written response. However, my score was reduced another 2 points by XXXX for a total of 12 points. I thought there were no consequences for making disputes on a credit report. I sent a letter to Transunion about this same situation. I don't think that it is fair to make payments and nobody reports it. I don't know what type of investigation credit bureaus do without providing detailed explanations to consumers. I will attach documents for details.

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 2022-03-17
Company: EQUIFAX, 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:
I checked my credit score on Equifax and it was much lower than my XXXX score because they say I have an account with high usage. However, the reported account is a Bank XXXX XXXX Credit Card which I do not have. I have no knowledge fo this account and never opened it. As of XX/XX/XXXX, the balance of this account is {$16000.00} with a limit of {$25000.00}. According to Equifax, the account was opened in XX/XX/XXXX, however, this is NOT my account. I never opened a Bank XXXX XXXX Credit Card. I filed a dispute on XX/XX/XXXX, but Equifax claims the account is in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted Equifax multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts, as I am a victim of fraud from a data breach from XXXX. I asked them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all according to the FCRA regarding Identity Theft. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. 

XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Southwest Credit Systems, L.P.
State: VA
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:
Responding to Southwest Credit System saying that they didn't need my signature. Well I just got off the phone with the Federal Trade Commission and Attorney General 's Office about this matter. That Southwest Credit System ( XXXX  ) who just sent me attachment of itemize bill statement. They stated that doesn't was not the truth that is why they said this month. FTC, State and Federal Law Enforcement Partners Announce Nationwide Crackdown on Phantom and Abusive Debt Collection Companies. Told me to keep them inform. They said according to the following : 1 ) Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to verify, through the phyiscal verification of the original signed consumer contract- any accounts you post on a credit report. Otherwise, anyone paying to the CRA could fax, mail or email in a fraudulent account. ( So, they said your reply was not truth you are in non-compliance ).

This was stated to me by a FTC lawyer that if you continue in non-compliance to remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal. XX/XX/1995 ).

2 ) According to pursant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that claim is disputed and validation is requested. You must provide the following : 1 ) What the money you say I owe is for ; 2 ) Explain and show me how you calculated what you say I owe ; 3 ) Provide me with copies of any papers that show I agreed to pay what you say I owe ; competent evidence bearing mysignature 4 ) Provide a verification or copy of any judgment if applicable ; 5 ) Identify the original creditor ; 6 ) Prove the Statute of Limitations has not expired on this account 7 ) Show me that you are licensed to collect in my state 8 ) Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX  ) this action might constitute fraud under both Federal and State Laws.

ALL NOTE THAT ACCORDING : As per FTC letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verifcation to pay the alleged amount.

I am also attaching a letter that I am sending by cerified mail to you guys. I am maintain a careful record of all my communications for the purpose of seeking damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: EQUIFAX, INC.
State: MI
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:
This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the item, listed below, to be corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the XXXX XXXX XXXX XXXX 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned item for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX Balance {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I spoke with a rep with Connecticut Dept Of Banking today, XX/XX/XXXX, regarding an affidavit for fraud, was told said affidavit should be issued/reissued for signature forgery. The amount of which is {$4200.00}, check intercepted in XX/XX/XXXX while on vacation. This matter was brought to Capital One 's attention in XXXX/XXXX of same year, a XXXX XXXX replied by attempting to infer the person whom forged is related, failed to issue affidavit at the time. Subsequent reps including a XXXX, XXXX also failed to do the same. Most recently, a XXXX and a XXXX refuse to reissue, original affidavit closed out in error, no funds received. As explained in prior CFPB complaints, a prior statement was twisted around by Capital One rep named XXXX, whom then refused to reissue affidavit. A XXXX then attempted to refer me back to person whom cashed check in which case it is not my responsibility to do so, once brought to Capital One 's attention for fraud. Failing to refer me back, she then turned around, refused to reissue affidavit... She provided a number to reach out, does not accept or return calls as per usual, XXXX XXXX did not return seven messages left in the past... This is typical behavior for Capital One reps. This matter has been ongoing since XXXX, Capital One refuses to cooperate in reissuing affidavit..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
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: Old information reappears or never goes away

Complaint:
I had several deferred loan modifications with   XXXX   XXXX   XXXX  . Between the years of   XXXX   and  XXXX . During the loan modification months when they tell you not to make a payment, they also tell you after a decision is made that your mortgage account will start off fresh with no late fees. When I check my credit report it shows the deferred months as late payments. It also show as past history payment while the under writers are try to see what plan I qualify for. The statute of limitation for Texas is 3 or 4 years and its hard to raise my credit score. In   XXXX   I was one of the consumers who really could not afford a mortgage but was given a loan any way from  XXXX  loan and some time shortly my loan was transferred to   XXXX   XXXX  . I knew there was a law suite with   XXXX   XXXX   but I did not under stand why. Can someone please tell me where do I stand on this issue.

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 2017-06-03
Company: Experian Information Solutions 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:
This is the last time I try resolving this here as my problems are being ignored. If not full resolution I will be contacti ng my Congressman and Senator to for ward me to a higher authority. I filed a complaint because info that was not mine was on my report. PAY Attention. t hat 's 1 ... ... ... 2. tax liens, ... ... 3 I can not even access my report or the dispute results because Experian blocks me. " We are unable to honor your request to access your report online. '' this is what I get when I follow the link from Experian 's email stating 1. the results of my dispute are available. 2. that there has been  a change to my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent a wire transfer in the amount of {$5000.00} from my XXXX account to my XXXX XXXX Business Checking account on XX/XX/XXXX, the XXXX is XXXX, Amex business checking was not able to process this wire on XX/XX/XXXX due to the wrong routing number input for some reason. Subsequently, they initiated a return/refund with XXXX XXXX. However, according to XXXX, they do not see the fund associated with the transfer. Ive been contacting both banks back and forth for multiple times to no avail. Please investigate the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-14
Company: General Motors Financial Company, Inc.
State: NV
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 never been past due on my auto payments with GM Financial, I contacted the company directly and they had two numbers wrong on my card number, they had access to my account to pull money out of. Requesting removal of the 2x 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Class action lawsuit of XXXX XXXX has been filed against them. I received a cease and desist letter. Santander said Im obligated to continue paying the loan. They will not contact me if they do any repossessing of the car or if I fall behind on payments. I request for a full audit of my account never received it but payment history. My loan  expired on XX/XX/XXXX Im still paying for this vehicle. They have been reporting late payments on my credit report and I had file disputes. When Im paying more than whats due on bill. I am requesting payments I pay extra money to be place to principal they take whatever amount they want apply it to interest. Interest being charge everyday they is no grace period. On my payment history Im just being charged interest fees everyday not monthly payments. 
I Purchased vehicle at XXXX. Loan 72payments, ,60 payments  have been made, Purchase vehicle on XX/XX/XXXX, First payment XX/XX/XXXX, Balance of XX/XX/XXXX XXXX, 12 payments left on loan, Payment XXXX, Interest 26 %, Total Santander saying is due is  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: EQUIFAX, INC.
State: IA
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:
They contained : 1 ) Statement from my educational institution abroad which showed I was living abroad when fraudulent accounts were opened. 2 ) A police report from XXXX XXXX, Iowa police that verifies I am the victim of fraud. 3 ) A police report from the jurisdiction where the fraud took place. 4 ) Statement from the property management company that owns two addresses that proves Ive never lived at those addresses. 5 ) An identity theft report from the IRS. 6 ) Documents to prove my identity. All of this ( a total of 43 ) pages was received by Equifax. Miraculously, they have claimed that this information is not enough to block these fraudulent accounts - an assertion that my local police department has called flabbergasting. Further, my attorney informs me that Equifax is now in direct violation of the FCRAs 605B provision. Apparently, Equifax is now summarily refusing to block the fraudulent information for millions of consumers - which they are not allowed to do legally, especially when 43 pages of official documents prove the fraud of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/XXXX, I went to XXXX XXXX XXXX dealership in XXXX to finance a car. At the time, the dealership stated that I was approved, took my down payment and allowed me to drive off of the lot. Once I reached out to the finance company the next month to make a payment, they informed me that I had not been approved. I reached back out to the dealership and they said they were not aware and would be sure to fix the mishap. In the month of XXXX, I checked my credit report and I had over 10 new hard inquiries on my credit from the dealership in which I had no knowledge of, nor did I approve of. I had specific instructions for the dealership to not run my credit anymore and let me know if they wanted me to return the car. They told me they would not have to run my credit without informing me first and once I confronted the dealership they did not provide very many solutions. When I returned the car I asked for a letter to be sent off to remove the inquiries. The dealership agreed to send the letter and gave me a copy. The letter was supposed to be sent off in XXXX and I was promised to have them removed within 3 weeks. It has now been 5 months and all inquiries are still remaining on my credit. The manager of the dealership is no longer answering my calls and refusing to reach back out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have been sending letters for months now and have not receive any response from the bureaus. Not one letter in the mail.This is so unfair the way I'm being treated. They operate any way they want to.

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 2017-06-03
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have complained before the CFPB about Sun Trust bank charging over drafts where there is no overdraft feature enabled on the account and charging maintenance fees for getting a receipt of a deposit or withdrawal transaction at Sun Trust own ATM. They refunded most of the fees but they have not refunded one of the XXXX dollar charges that was for a receipt at their ATM. This is a Maintenance free account. <P/><P/>Also Sun Trust prevents me from seeing my balance at their ATM during transactions, which seems to be a trap that could cause overdraft. <P/>If I ask the machine what my balance is then they will charge me for a balance inquiry. In addition, I have 1 checking account and 1 savings account, yet Sun Trust ATM lists 2 chk accounts when I go to make a withdrawal, again this seems like a trap because the savings account only allows for a limited number of withdrawals per month from the ATM without penalty. <P/>Sun Trust appears to be making calculated efforts to manufacture fees and penalties by withholding balance information at the ATM and by masquerading the savings account as a checking account during the withdrawal process.

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 2019-12-11
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: Information belongs to someone else

Complaint:
THE FOLLOWING ACCOUNTS HAVE BEEN OPEN BY WAY OF FRAUD DURING A DATA BREACH I HAVE SENT IN A FTC REPORT TO REMOVE THE ITEMS AND BLOCK THEM THE FOLLOWING ACCOUNT IS : XXXX XXXX  XXXX ACCT # XXXX THE FOLLOWING INQUIRIES ARE : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX   XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery is constantly harrassing me calling my phone all hours of the night stating that I owe them money, which I told them that I do not and I believe someone close to me could have used my identify and I ask ed them to validate this debt and to show me my signature on credit application documents which they could not provide me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: PA
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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
N accordance with the fair credit Reporting act XXXX  account XXXX, XXXX account # XXXX XXXX XXXX XXXX account # XXXX 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 : it also sates a consumer reporting agency can not furnish a account without my writing 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 2017-06-03
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a derogatory credit item from southwest credit systems for a  XXXX  account that went unpaid. I called southwest and made payment but they denied my request to take down the item. They are not original owners of the note and could n't produce documentation nor did they advie me prior to posting this on my credit as I was unaware of the unpaid bil due to moving and having a new home address. I 've contacted them and escalates calls even so contacting the credit bureaus advising them of the situation. Please advise as to what I can do. The account was paid back in   XXXX   XXXX     and I received a deragotry item on My credit on   XXXX   XXXX    . The amount owed was roughly {$470.00}. Thank you for your consideration.

Company response to consumer: Closed with explanation