BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: SANTANDER HOLDINGS USA, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of Identity theft. I did not authorize anyone to use my personal information and credit cards to make transactions with this company. This account should stop and block furnishing information to any credit reporting agency immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: AES/PHEAA
State: AE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was originally assigned XXXX as my loan servicer for my federal student loans following graduation. I enrolled in a qualifying repayment program in order to work towards Public Service Loan Forgiveness and within about a year I was transferred to FedLoan Servicing. FedLoan Servicing has now been my loan servicer for a few years. I am extremely frustrated with the lack of response to my repeated requests to review my qualifying payments towards PSLF. I have asked and asked for a few years now for an updated count of qualifying payments made while I was with XXXX. The FedLoan organization has so far only counted payments made since I was transferred to them. I make regular calls, send emails, and it goes nowhere. Their staff has gone from asking me to be patient, to blaming it on XXXX for not transferring my documents, to stating that actually XXXX did share my documents right away but it " takes time '' to review the file. It doesn't. I've done the count myself in a matter of minutes. You can easily confirm that I was in a qualifying repayment program and count the number of payments I made during my time with XXXX if you just take ten minutes to review my file. This should NOT take years. I have sent emails, talked to countless customer service reps on the phone, and even been told that I am not allowed to talk to the staff who actually handle the file reviewing because they do not take phone calls. I was not allowed to speak to a supervisor either. This is ridiculous and I intend to file a complaint with the XXXX XXXX XXXX, the Consumer Finance Protection Bureau, and I am also looking into lawyers. Does FedLoan Servicing understand that they are messing with people 's futures when they do things like this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I filed a dispute dated XX/XX/2023 Found several errors of my credit reports I request to remove any incorrect reports, to my credit profile Experian failed to comply with thier own policies in a timely manner. Please see attached

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 2022-05-22
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hi I was unable to use my Victoria Secret credit Card on XXXX XXXX. I was unaware that it was closed. I was embarrassed as I tried to make a purchase and it declined three times. I then called company to find out and they said it was closed on XX/XX/XXXX. I explained to them that I did not receive a letter or any type of message explaining reason. Theyre answer was they sent it in the mail. I never gotten a letter because I have paperless billing also I never received anything from message center as well. I asked why and they couldnt give me an exact answer. I have been with them since XXXX. I paid on time and just paid them off in XXXX of this year. I am very disappointed that my account has been closed and I did not give Permission to close my account. I have this account for my daughters. I cant understand why this has happened. There is no recitation on me asking to close my account. I have had this account for a long time. I had issues with them before lowering my account and making my credit score drop down. I had to call and inquire about this as well. I dont appreciate it and will not tolerate this type of association with my accounts. I would like this resolved and put into place as I would like my account reopened. This is inconveniencing me as well. Also my daughter is an authorized user. What if she would have gone to make a purchase and was not aware that account was closed. It doesnt make since to pay off a store credit card in beginning of this year and have it closed two months letter without warning. I believe Victoria Secret should at least send out an email or message stating why or telling you to use your card. They send everything else through messages. 

Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: EQUIFAX, INC.
State: NY
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:
Credit Agencies keep reporting negative items on my report, which is effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Other problem getting your report or credit score

Complaint:
Transunion mailed me a consumer credit report and did NOT provide me with a consumer credit FILE as I requested. Transunion is in violation of my federally protected consumer 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 explanation
Consumer complaint received 2017-11-24
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: Personal information incorrect

Complaint:
Every month for the past two years I contacted Equifax to ensure my credit information was correct. 

Every year I pull my credit report, and again during the year if denied credit for whatever reason. Every time I am denied or charged higher fees it is due to the falsely documented information provided by Equifax.
Since their multiple breeches I now call every two weeks or each time I get an alert on my credit monitoring account. 

I immediately informed them that my addresses were incorrect. I told the agent what my correct information was and she intentionally typed a combination of addresses on my report and submitted it as my current address. When I heard her repeat misinformation I corrected her again and she in turn tried to hurry me off the phone. 

I called back to complain about what happened it appeared same woman got on the phone posing as a supervisor. My addresses were never corrected and they refuse to do so. They stated the info comes from creditor reporting but that is false for no creditor has a record of my addresses being what Equifax intentionally submitted. 

I just spoke with them again this past Tuesday to resolve the matter and once again they refused. I informed them it is illegal to falsify an individual 's credit information and even worse when a credit bureau worker is the one doing the false documentation. I also informed them that I will be reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: BARCLAYS BANK DELAWARE
State: TX
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:
Friday, XX/XX/2020, I received an email from Barclay for my frontier airlines credit card. It was a statement for the annual fee. I tried calling there customer service line to cancel this line of credit with Barclay, No answer, i was left on hold for 2 hours and I eventually hung up because I have my life to attend to. I've always had this problem with Barclay, customer service is SO poor. On top of that, I cant even get online to pay the card because I cant login. I've actually never logged in because I've never made an actual online account. I've tried to login with my usual logins but nothing. The forgot my password service doesn't let you receive a new password unless you have account number, which I cant see unless i look at my card statements which are online. I feel Like I'm just stuck with this company.

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 monetary relief
Consumer complaint received 2022-12-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. My rights have been violated. 
15 U.S.C. 1681 Section 602 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 my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My Twin Brothers name is showing on my reports, such as when i purchased my home and when i recently got home security installed

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 2022-07-10
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My son received XXXX XXXX on XX/XX/2016 from XXXX XXXX. Insurance paid a portion, which left a balance of {$270.00}. We relocated, so I did not receive the bills early on. 

The account was turned over to the collection agency, Receivables Management Systems ( RMS ). I discovered it because it showed up on my credit report. The balance had increased to {$530.00}. I've made multiple attempts to pay the original balance that was due. RMS continues to update my credit report and add $ XXXX {$2.00} to this balance every two weeks. The balance is now over {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2018-07-23
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I spent about {$100.00} on a credit card I no longer knew I had, but was saved on a website. The credit card company never sent me a bill. By the time I found about it and figured out how to pay the bill six months later, they said I owed them about {$300.00} in late fees.

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 2022-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
I Have 4 Hard Inquiry On My Credit Report & None Of These Banks Are Mines. 3 Capital Ones, 1 XXXX XXXX XXXX. First One Is Capital One Its Been Posted On XXXX XXXX XXXX Second One XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXXt.

I Would Like To Put A Lock On My Credit If Its Possibly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10
Company: EQUIFAX, INC.
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:
Requested credit reporting to investigate account on my report and they did not notify me of investigation results. I sent letters on XX/XX/XXXX and again XX/XX/XXXX and again on XX/XX/XXXX. XXXX sent me a letter about my identification and I sent that in again and still no response. I also reached out to the company listed on my report and got no response into XXXX and with that they violated my hippa and still did not verified that the account in fact was mine. I sent another letter to the credit bureaus and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 Section A 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. code 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in a paragraph the term consumer report does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2020 XXXX  has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. They are violating my rights and harming 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 2022-12-03
Company: EQUIFAX, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX Account last XXXX digit # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: CCS Financial Services, 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: Account status incorrect

Complaint:
I have submitted a letter to Credit Collection services regarding an account they are reporting on my credit report. It is still showing up as an open account, paid collection. 

This account should have never been reported as a collection. This balance was paid with the original creditor. They have not responded to me, they havent removed it from my credit profile.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Aqua Finance, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I don't know who owns my debt. It is either Aqua Finance or XXXX XXXX XXXX. 

Aqua Finance : XXXX XXXX XXXX, XXXX XXXX XXXX, WI XXXX Mailing Address Aqua Finance , IncXXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company sent a rep one day and scheduled an installer to come unannounced the next day. It wasn't until after the water refining system was installed, I learned I was denied proper credit. I was locked into paying for a debt I couldn't afford and should have never been issued credit for. The water system was extremely overpriced compared to other systems on the market. In addition to being denied credit, this company filed a deed notice against my property. I have not been able to refinance my home without this credit/debt showing against my property. They have used predatory lending practices to effectively lock me into this debt. I tried to contact them to settle the debt and they refuse to offer a fair settlement. The debt has grown exponentially and left me with few options to improve my personal credit situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Between the dates of XXXX and XXXX I was charged numerous ( between XXXX and XXXX is my best estimate ) overdraft and NSF fees of XXXX dollars each by Wells Fargo bank. I never received any communication from them regarding the settlement, or any form of reparation regarding these fees. I tried at the time to recover these funds but only received a small number of refunds at the time of these charges. I was told, at the time, that they could not refund most of these due to company policy. This contributed to a financial crisis from which I am still trying to overcome. Their customer service members were, and continue to be, inconsiderate, unprofessional, unsympathetic, and condescending. I have been fearful of calling about the settlement due to an existing estate account that I have as the representative of my mother 's estate. I am confident that their institution owes me a considerable amount after becoming aware of their harmful tactics aimed at profit instead of the well being of their customers. I was told numerous times that they could do nothing to help me regarding this.

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