BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-12
Company: Experian Information Solutions Inc.
State: HI
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: Problem with personal statement of dispute

Complaint:
We paid a credit card off in full and when we received the new cards from the same company we never activated them. It was the XXXX Visa from XXXX. We then moved from XXXX to XXXX. I updated my address with XXXX when we moved. In XXXX of 2018 my wife tried to use the card, deciding to activate it at XXXX and we were informed it was closed. When I called XXXX they said there was an outstanding balance of {$300.00} that was three months overdue. I thought this to be impossible or fraud because we had not used the card. As it turns out, XXXX charged their annual fee to the card in XXXX of 2018 without our knowledge. XXXX, for some inexplicable reason, had us on a no contact order. So for three months late fees and interest mounted up. In XXXX, My wife paid the card in full though we were still in dispute with XXXX. In mid-XXXX 2018 XXXX admitted it was there fault and refunded all of the late fees and interest. However, they submitted derogatory information on our credit report which dropped us from an aggregate XXXX to XXXX credit score. I filed complaints with two reporting agencies. Experian was the only one to report back stating that I was correct, that the account was cleared and even though XXXX admitted their fault in the matter they refused to remove the derogatory information. When I called XXXX and finally got through to XXXX I was informed that yes, they admitted the problem with the no contact order and that they did refund all charges, but it was not their policy to remove derogatory information. Not my fault. Do know what to do from this point.

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 2019-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion has placed the creditor, again, on my report, named XXXX XXXX XXXX for {$76.00} ) after they had originally deleted them off about a year ago ; when I had reported that the charge was not mine, due to fraudulent charges and identity theft. The charge does not belong to me. Transunion also took off XXXX   XXXX XXXX charge off account and added it bank to my account. I had reported to Transunion that the account had fraudulent charges that were not mine. The charges do not belong to me. 

Also, I would like to report that Transunion and the other credit reporting agencies are aware of my data/identity being stolen in the past. XXXX XXXX and XXXX has recently contacted me that my person data/identity has been breached/compromised again, by several entities. Over the last 5 years ( or more ) to current ( as recent as XX/XX/2019 by XXXX XXXX and XXXX ), it has been reported to me that my data/identity/credit had been breached by over 20 various entities. Some of entities ( past and present ) had included had included XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, college book stores, email entities ( as XXXX ), medical,  and more. They included my name, address, date of birth, credit card information, and social security number.

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 2019-01-25
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
My Name is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX XXXX On XX/XX/XXXX I purchased a XXXX XXXX XXXX for XXXX on XXXX XXXX XXXX XXXX, NC XXXX for XXXX the total loan with Santander US {$26000.00} ( Contract # XXXX ). I traded XXXX XXXX XXXX I know that I had a little negative equity in the car. I financed with Santander USA and my first payment was to start XX/XX/XXXX of {$600.00} for 72 months. I have been making my payments no ( 30 ) days late for over ( 2 ) years and I still owe a huge balance and it seems to be getting larger. I have pay {$14000.00} in payments and they have applied {$9800.00} in interest and still my balance is {$21.00}, XXXX It appears that Santander USA has been over charging me by adding a higher interest rate and applying some payments all to interest and other over 50 % of my payment to interest theres not any consistency. The first year my loan appeared to be going down then the second year it went back up and has stated up. I have had my car appraised and from what I owe Santander Im {$10000.00} upside down in my car were I will never be able to get out of it. Also, they just updated my balance on my XXXX  credit report {$22000.00} and the statement as of XX/XX/XXXX which is attached states {$21.00}, XXXX and terms showing 75 Months. 
This company has over 1,900 complaints with the XXXX and it responds to those complaints. Santander USA has misled me about the cost of the loan due to them putting my 1st payment on XX/XX/XXXX all {$600.00} towards interest and the 2nd one all but {$44.00} whole payment at times into interest. In the second year Santander started putting whole payments in interest and other payment over 50 % of the payment in interest again and thats when I notice that this is unfair high interest loan lending practices. They have me showing {$36.00} in late fees throughout the time I have had this loan. 
The way they are applying interest and principal payments is a way to throw you off so it will seem that its coming down but its not. Lender has hide and misrepresenting the true cost of the loan terms it appear they are having my terms at 75 month instead of 72 months also. This appears to be a scam instead of a true financing company. 

I have attached copies of the payment activity on my account # XXXX and other supporting document that might be helpful to resolve this issue. 
You can see how they have just applied what ever they wanted to apply my payment. 
I would like a resolution by Santander to correct the payments that are misapplied and for the correct interest that should have been going to interest. Also, correct the terms and the corrected balance on my credit reports. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: LA
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2020-02-06
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a form MC-012 from an attorney from an attorney representing Midland Funding, XXXX XXXX XXXX XXXX, State Bar no. XXXX, Midland Funding, XXXX XXXX XXXX  XXXX  XXXX, # XXXX, XXXX XXXX, CA XXXX, on XX/XX/XXXX, ( XXXX County Court case no. XXXX ). In that form, the attorney claims that I still owe Midland Funding {$520.00}. It also states in that letter that I have already paid {$2800.00}. I called Midland Funding at ( XXXX ) XXXX, on XX/XX/XXXX. The person that I talked to ( XXXX ) said that I have already paid {$3400.00}, but that I still owed {$560.00}. As you can see, there are discrepancies in these amounts. The second person that I talked to at Midland Funding also said that I had paid and owed the same amount as the first person that I talked to. I went to XXXX XXXX  to inquire about the credit card acount in question. The manager at the XXXX XXXX CA, XXXX XXXX said that the credit card debt had been settled for {$2900.00}, but couldn't give me an exact date ( I believe this was in XXXX ). I believe that I paid this debt at least 6 years ago, and these guys have tacked on additional principal and interest, and are trying to collect on an old debt that is definitely older than 4 years ( statute of limitations is 4 in CA ). I also visited the XXXX County courthouse in XXXX XXXX, CA, and the clerk said that this document ( MC-012 ) had been filed back in in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a Zales Comenity store credit card opened on XX/XX/XXXX that was closed on XX/XX/XXXX. I also have a Children 's Place Comenity store credit card that was also closed on XX/XX/XXXX. That account was opened on XX/XX/XXXX. 

I made telephone attempts to reopen accounts being that they have been closed so soon. The lender 'Comenity ' cited that they can not reopen accounts closed by the bank. It is my understanding that Comenity is the lender and will not in good faith allow me to make a purchase since XX/XX/XXXX to reopen my accounts. 

Any advocacy to get me to use and keep these accounts would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Transunion is reporting inaccurate information on my credit even after I have sent them proof that the furnishers they claimed verified the account sent me letters saying they do not and did not verify or update this account and XXXX removed it because they couldn't verify it. I sent both letters in to Transunion pointing out the inaccuracies and the letters of proof and they still said they verified the account which is imposable.

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 2019-09-17
Company: FIFTH THIRD FINANCIAL CORPORATION
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 received notification on my credit report that a new auto loan was obtained in XXXX. I contacted the reporting agencies and was advised I had NOT made a new car loan. The information was sent to the bank ( 5th 3rd Bank ). The bank responded the loan was valid. I then  contacted the bank on XX/XX/XXXX and advised the fraud department the loan was taken out by another person with my same name but a different address and he used my social security number. The bank advised they would investigate. 

The car was purchased from Off Lease and auto dealership. Someone with the same name somehow purchased the vehicle with my social security. They couldn't provide me with any information or a purchase agreement. Off Lease is located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I advised that I also had applied for a car loan via online in the past but never purchased a car. 

I have since been in contact with the general manager of Off Lease ( XXXX XXXX - XXXX ext XXXX ) and he advised his legal team was working on it and he contacted 5th and 3rd Bank as well. They are under the impression this person somehow stole my social security number to purchase the car. I'm not sure if that is true or if Off Lease assisted in this illegal transaction. I am exhausted by the running around and investigating I have had to do. Someone needs to get this fixed and take me out of it. 

The police won't file a report without documentation and Off Lease advised their legal team stated not to give me copy of the purchase agreement. I am still waiting on some answers from Off Lease and or 5th and 3rd Bank. 

I am very concerned that my identity was stolen. I am not sure who is to blame but I do believe Off Lease may be involved in this case and I believe the person who purchased the car from Off Lease was aware he was using my identity to purchase the vehicle. I want this OFF my credit report. I am the victim here and there doesn't seem to be much concern about my life and the problems this has caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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 sent out identity theft letters to these companies in regard to1 8 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I am willing to settle their civil liability damages I have suffered as a result of their violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Diversified Consultants, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A fraudulent collections report is on my credit report from Diversified Consultants for XXXX. I called XXXX and they confirmed I have never had an account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX CO XX/XX/XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy Date XXXX : XX/XX/XXXX XXXX # : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-21
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My lender, Freedom Mortgage, placed XXXX forced insurance policies on account an XXXX policy and flood insurance. I have emailed evidence of my flood insurance. However, my loan documents don't require an XXXX policy ( it was originally written back in 2007 ) so Freedom doesn't have the legal right add this additional requirement to the original loan. I attempted to speak to the insurance company, XXXX, to explain this but they don't answer their phone after XXXX minutes and I don't have any additional time to devote to correcting their mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2019-01-25
Company: WELLS FARGO & COMPANY
State: NE
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:
Divorce decree assigned two accounts to my exwife. She then filled bankruptcy. I have tried to get them to get these off my cedit report for years. They finally closed the accounts 2 months ago, this is from clear back in 2011. Now they will not take these two accounts off my credit record and are still reporting as a charge-off on my report. 
I have tried in good faith and have sent them the documentation to prove 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 non-monetary relief
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-08-22
Company: Nelnet, 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: Account information incorrect

Complaint:
Nelnet is reporting inaccurate information on my credit report in reference to a student loan balance. Loan has been paid as agreed. See attachment with document from Irs

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on 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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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:
FICO scored lowered XXXX points without a change to credit reporting accounts on XXXX and Transunion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I took the balance transfer from chase and then after that I set the auto payment to minimum due amount but chase tried for the full payment my bank does not have sufficient funds and then they charged me overdraft charges. After couple of days they retry again for full payment and again they charged the overfldraft fees. Chase also again charged me on the returned amount XXXX XXXX 

I asked the proof from chase on retry terms and conditions on agreement and proof for auto pay for full payment they have not sent me for 2 months. They are keep on interest charges to my account.

Company response to consumer: Closed with explanation