BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Credit reporting 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:
XXXX is not reporting a closed auto loan that was in good standing on my credit report. In XX/XX/2016 I paid off my auto loan and this loan is supposed to stay on my credit report as it is included in my XXXX credit report accurately. The details are listed below for your review. Ford Motor Credit - Omaha Service Center Account ending in XXXX Amount originally financed {$19000.00} XXXX attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Santander Consumer USA 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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX. XXXX, 2020, CHRYSLER CAPITAL add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am a Federally Protected Consumer and Resurgent Capital Services has attempted to collect on an alleged debt. Resurgent Capital Services mailed me billing statements from XXXX-XXXX XXXX XXXX XXXX. Resurgent Capital Services has invaded my privacy. 
Pursuant 15 USC 1692c ( b ) I never gave Resurgent Capital Services written or oral permission to have my personal information. Pursuant 15 USC 1692b ( 2 ) Resurgent Capital Services can not state that such consumer owes any debt ; Resurgent Capital Services mailed me billing statements from XXXX XXXX XXXX XXXX along with an account summary from the " original credior '' XXXX XXXX. According to 15 USC 1602 ( g ) I am the original creditor. Resurgent Capital Services, XXXX XXXX XXXX XXXX and XXXX  XXXX  can not create, extend or give credit. Please the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX was charged overdraft fees on 3 items 2 where less than the fee as low as {$5.00}. They where able to do this because they removed funds from a higher payment first causing my account not to have enough for lower payments. I also electronically deposited funds but they added next dat saying pending

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 2023-10-11
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have waited on hold to speak to representatives for more than 2 hours every time I call in. Today, my call was disconnected after 2 hours and no one ever answered. To date, not a single representative has been reached via the phone system and no one has responded to my emails. The debt has not been validated. No one will provide updates on my application or explain how my monthly payment potentially doubled from the pre-pandemic payment amount. No one has verified what the monthly payment will now be. My wife was forced to use forbearance on her student loans as a result of this negligence ; I will not be using forbearance due to a new servicers failure to communicate or follow applicable loan servicer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
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 is missing that should be on the report

Complaint:
THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: CCS Financial Services, Inc.
State: NY
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 XXXX XXXX, 2020, CCS COLLECTIONS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CCS COLLECTIONS has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-11-12
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I scheduled my payment of {$2400.00} to be electronically transfered from my checking account on XX/XX/XXXX and then on the same day Citibank also withdrew {$700.00} which was NEVER AUTHORIZED by me. 

Citibank sent a very confusing email trying to explain this second amount being deducted from my account. No one in my family could understand this email. I notified my bank XXXX XXXX XXXX XXXXXXXX XXXX about the issue on XX/XX/XXXX. Even XXXX XXXX XXXXXXXX could not figure out why Citibank did this and XXXX instantly filed a claim for the {$700.00} which was returned to my account on XX/XX/XXXX. 

Today I received another email from Citibank saying that XXXX XXXX XXXXXXXX would not release these funds and that I needed to notify my bank to release these funds and then pay the {$700.00}. I then called Citibank at the number on the email and I spoke with XXXX different departments. I finally spoke with a representative that said all was fine and not to worry about that email. 

I thought I was done but this afternoon I received another email from Citibank saying I still needed to pay the {$700.00}. 

We can not make sense of any of this. We would greatly appreciate your help. I am very stressed out about this issue because I have an exceptional credit rating and I don't want any problems. All emails are available for your review. Thank you.

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 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying XXXXm using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2023-10-11
Company: Velocity Portfolio Group
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Checking my credit report bc I have been working on repairing my credit I noticed that the same accounts that I turned into XXXX XXXX XXXX XXXX to be paid is still on my report as collections. I have alerted the XXXX different companies several times that XXXX XXXX has the accounts and that they should contact them for payment. I pay XXXX XXXX every XXXX weeks for these accounts and I feel like if I am attending to the accounts why are they showing up as collections. I will not be paying XXXX XXXX and then paying the collections companies too and they clearly have these 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 explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 2021-01-13
Company: EQUIFAX, INC.
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 was taking out a loan with my bank to pay out my ex partner. 

On the day of settlement I was denied this loan due to Equifax getting my credit scores wrong which was no fault of my own. 

This ultimately cost me 1000 's along with the stress and anxiety that came with trying to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: USCB Corporation
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I, XXXX XXXX, refuse to pay this alleged debt. I have diligently reviewed my consumer rights as outlined by the Fair Debt Collection Practices Act ( FDCPA ), which clearly states that consumers have the right to dispute any inaccuracies or misleading information on their credit reports. As evidence of USCB Corporation 's violation, I have gathered supporting documentation which can attest to the deceptive practices employed by this company. It is prohibited under 15 U.S.C. 1692d ( 2 ) to use obscene or profane language or language that intends to abuse the hearer or reader. Additionally, it is prohibited under 15 U.S.C. 1692e ( 10 ) to use false representations or deceptive means to collect a debt or obtain information about a consumer. I am not interested in validations or verifications. My main concern is the false and erroneous reporting of information on my consumer report. This derogatory account, along with other negative details, needs to be promptly removed from my consumer reports. If this derogatory information remains on my consumer reports beyond the next 30 days, I will have no choice but to file an official complaint with the United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for resolution.

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 2023-01-16
Company: Experian Information Solutions Inc.
State: MD
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 my 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 alleged fraud or extortion. 




XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: MD
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 unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Unexpected or other fees

Complaint:
A friend of mine went to Santander Bank in XXXX XXXX for a bank check. What happened to me in past with bank check fees infuriates me. My friend told me XXXX, a teller waived bank check fee as self payable reason as bank policy. In the past XXXX only waived the fee once as courtesy as doing a huge " favor " for her customers like 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 2023-11-26
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Hi I sent XXXX transaction to both checking and savings accounts and I am still waiting on it to arrive. I sent it to my wellsfargo bank account. These transactions were done between XX/XX/2022 and XX/XX/2022. Please help recover my funds before someone spends it. 
Best, 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 2023-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital one knowingly is holding my payments hostage for 6 days. When I called they verified they had my payment but refused to release the hold on my available credit for 6 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted PayPal CREDIT aka Synchrony Bank to get a credit balance refund of {$17.00} mailed to my home address and close my cc account. The only way to get in touch with anyone at either of these companies is via " Live Chat '' on my phone so I got in touch with customer service representative XXXX XXXX who asked why I wanted to close my PayPal CREDIT/Synchrony Bank CC account and I said its because PayPal/Synchrony Bank flatly refused to lower my CC interest rate when I was struggling financially. He told me he would help me and asked what my mailing address was so " they could send me a check '' for the credit balance refund. I texted him my mailing address and he did not respond. After a few minutes I asked if he was still there and the app kicked me out. I was able to get back in and the app said I needed to contact Synchrony Bank. This is a bait and switch and these financial companies do this on purpose to make it difficult for consumers to close their accounts so the financial companies can continue to charge usurious interest against Americans many of whom are struggling financially to pay their household bills. I demand that PayPal CREDIT/Synchrony Bank ( or whoever they call themselves now ) mail me the credit balance of {$17.00} and close my credit card account immediately. In addition, they need to make sure my account shows as closed " Upon consumer 's request '' or something similar on my credit reports. This/these companies should not be allowed to continue to do business in the state of Arizona until they figure out how to communicate and help their customers that they are charging exorbitant rates and fees 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 non-monetary relief