BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-12
Company: SANTANDER HOLDINGS USA, 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: Investigation took more than 30 days

Complaint:
I had an account with Chrysler regarding a XXXX XXXX XXXX. I wanted to pay the balance off. I called to make a settlement with the dealership twice in which I advised could pay if they gave me a settlement amount. I know I had paid well over the cost of the in interest and fees. I asked the department and the advised me the amount of {$27000.00} on three occasion. I finally called back to let them know I could not continue with the payment and would have rather pay a settlement balance if possible. I had just made a purchase of another vehicle in which I paid cash for it was for the amount of {$19000.00}. and some change which I have documentation to prove. I called back at Chrysler and asked again and about a settlement and they provided a dollar amount of {$19000.00}. I have tried to resolve this matter at no end with this company. I even went as far as to Executive to file suit which the had an investigation and found both calls of me having conversation with each rep regarding options to resolve my loan. I checked my XXXX and see the have it in write off. which is now effecting my credit. I want to know if you can possibly help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I currently have two student loans serviced by Nelnet - one federal and one commercial. I have been paying {$100.00} extra per month on my commercial loan. Once federal payments resumed, I would have thought my extra amount would have covered the federal payment, it is only {$65.00}. Just to be sure, I attempted to call Nelnet to verify. When calling their wait time was over 1 hour. I work, so an hour out of my day is not feasible nor reasonable. I used their 'email us " form online and received the following response, " Thank you for your email. We apologize for not responding sooner. Were currently experiencing unprecedented email volume, which is preventing us from responding to your specific question ( s ). If youve already contacted us by a different means and/or resolved your issue, please disregard. Otherwise, we believe that one of these options may be the best way to find what you need : where you can view your loan details, apply for repayment assistance, and more. 
For answers to common questions, check out our FAQs page. 
For information about all aspects of federal student aid, please visit StudentAid.gov. '' They won't respond to emails and who has an hour to sit on the phone? 

Come to find out my excess payment to them was not applied to my other loan and my loan was marked past due. I've not had a past due payment to them in 8-10 years. Thus, this is quite infuriating. They need to be held accountable as a servicer. If they can't adequately service the volume of loans in their portfolio, then a segment of those loans should be moved/sold to another servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
SENT THE FCRA VIOLATION XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX BREACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TOYOTA MOTOR CREDIT 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: Account status incorrect

Complaint:
On XX/XX/XXXX I was notified on my credit report of a missed/late payment delinquency on my Toyota Lease account for my XXXX Is XXXX XXXX that I had leased through Toyota XXXX XXXX XXXX I called Toyota Financial Services on XX/XX/XXXX to inquire of this inaccuracy and spoke with customer service and was informed that payment had been received in XXXX on the XXXX and next payment due wouldve been XX/XX/XXXX as my usual due date. Payment was due XX/XX/XXXX and vehicle was declared a total loss XX/XX/XXXX by XXXX and paid with account closed XX/XX/XXXX. 
The late payment is inaccurate as XX/XX/XXXX wouldve been the accurate XXXX day delinquent time to report to credit bureau had the car not been deemed total loss by insurance and paid by insurance XX/XX/XXXX. Being that this account is in closed status as of XX/XX/XXXX and total loss department with Toyota Financial services, it should not be deemed delinquent payment and impacting my credit report negatively and dropping my credit score forinaccurate reporting. This is deemed to be inaccurate and an incorrect report that I would like to be removed from my credit report and disputed for inaccuracy. Ive attached all necessary documentation for review as evidence to suffice my claim. Please update and review accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
UNAUTHORIZED INQUIRIES LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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 2022-11-12
Company: AFNI INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I got a letter in the mail from Afni , Inc . It states they are trying to collect a debt. There is no debtor, there is no amount owed, nor is there an account number from any said debtor. The letter states that a request has been made on their behalf to access my credit report. Companies can not randomly choose to access credit reports under the Fair Credit Reporting Act, especially debt collector companies. 

If Afni has any real proof of my debt, or an alleged debt owed, I expect the original contract of said debt in writing with my original signature within 30 days. If this does verification does not exist, they must remove all reporting and/or access to my credit report, and they are NOT authorized to access my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA. I have kept all records of my communications with you, including the letters I have sent, proof of your receipt of the letters, and evidence of your noncompliance. It has been over 45 days since your receipt of my original request to investigate the remove the following accounts, and you have failed to comply with the FCRA. In good faith, I ask that you please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts : I ask that you remove the following unauthorized inquiries that remains on my credit report. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation.I DO NOT CONSENT TO E-OSCAR FOR VERIFICATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: TN
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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:
Hi, XXXX XXXX XXXX XXXX XXXX XXXX ) mortgage company put my account on certified funds when it should not have been. When an account is on certified funds automatic billing is supposed to be removed and stopped. XXXX continued to automatically draft payment in XXXX off 2022, when their policy stated they would no longer automatically draft payments for accounts in certified funds. 
This led to me being put back on certified funds in which i made payments on time via XXXX XXXX XXXX Mail which is next day arrival. 
The late payment for XXXX proof was given that I mailed the check in on time and the post office did not deliver the mail that i paid to have delivered the next day causing this XXXX up. 
XXXX XXXX and Equifax were notified of all of these errors out of my control but still have not adjusted my credit file. These late payments should be removed from that account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: TN
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:
ON XX/XX/2022, Sent a letter to XXXX, Equifax, and XXXX informing them the information they are report to my consumer report is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/XXXX, I received a letter from XXXX Bank where they lowered my credit limit for the following four reasons : 1. Lack of Real Estate Secured Loan information.

2. Average time since accounts opened is too recent.

3. Average time since revolving accounts opened is too recent.

4. Too high proportion of accounts recently opened.

This automatically affected my credit score. Regarding the four listed points, I have the following observations : 1. False. I have never had a real estate loan since the beginning of my credit history.

2. No more accounts have been opened since the beginning of the business relationship with XXXX XXXX 
3. See point 2.

4. See point 2.

Additionally : a. I have always paid before the due date and have paid more money than requested.

b. They can verify that the only change in my credit history was reported by XXXX XXXX, so this is what affected my credit score. 

Therefore, there was no reason for them to lower my credit limit. I am not interested in using credit with XXXX at the moment, but for my personal and professional future, it is very important to take care of my credit score. They should have found a way to NOT affect my credit score. Right now, this will affect me drastically as I obtained a job where I will require financing and because of the lowered score, I may end up being affected.

I hope you can resolve my problem as soon as possible. I have a family to feed. 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 non-monetary relief
Consumer complaint received 2022-03-14
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE REQUESTED DEBT VERIFICATION LETTER MULTIPLE TIMES FOR A DEBT WITH CITI ACCOUNT ENDING IN XXXX, I RECEVIED A LETTER THAT I AM NOT RESPONSIBLE FOR THE DEBT AND CONTINUE TO RECEIVE NOTICES ON THSI DEBT AHVE SPOKEN TO CITI MULTIPLE TIMES AND IT CONTINUES TO BE REPORTED I HAVE LETTERS I CAN SEND YOU I HAVE SPOKEN TO REP ENDING IN XXXX on this matter and have been given wrong and misleading information. i received the letter in XXXX and they refuse to update credit report, i have also requested debt validations that are on credit report for accounts ending in XXXX i have requested this numerous times before it was sent to collections. i attachted the email i sent citi that was sent on XX/XX/XXXX, in regards to a call on XX/XX/XXXX i have requested debt verification letters on 4 occasions between XX/XX/XXXX and XX/XX/XXXX and have not received anything they have my correct

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 2020-09-18
Company: Nelson Cruz & Associates LLC
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 a few accounts on my credit report that are not mine. My mother and I have the same name and lived in the same house. Although we have different social security numbers and birthdates, a few of her accounts on now listed derogatory on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: Windham Professionals, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received a letter from a collection agency regarding my XXXX XXXX XXXX contract from XXXX. They want {$740.00} for remainder of the security contract. I have sold my home in XXXX XXXX and moved to XXXX XXXX XXXX in XXXX, OR. At the time of my move I notified XXXX that I would not need the security service here and to cancel my contract. I am XXXX XXXX XXXX, in declining health due to 2 recent XXXX surgeries. I am not a wealthy person and need what little money I have to take care of my rent, health issues, and obligations in my XXXX location. I have written several letters to them and their answer is that I signed the contract and I owe them. Am I to pay them for services that I can not use?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: MA
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:
In accordance with the Fair Credit Reporting Act the list of accounts below have violated my Federally Protected Consumer Rights of privacy and confidentiality under 15 U.S.C. 1681. XXXXDepartment of Education acct . # XXXX and US Department of Education acct. # XXXX. Also, US Department of Education acct. # XXXXhave violated my rights. 15 U.S.C. 1681 section 602A States I have the right to privacy.

15 U.S.C. 1681 section 604A It also states a consumer reporting agency can not furnish an 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. 1682s-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 non-monetary relief
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX Someone made a fraudulent call into Wells Fargo transferring {$2000.00} from my savings account to my checking account. Gambling charges were authorized on my checking account by these funds causing my account to be compromised. 
My direct deposit and balance was compromised causing errors to my checking account and my upcoming purchases and household bills to be compromised XX/XX/XXXX. 

I have suffered stress and duress from this situation. Wells Fargo has put me through stress and mental strain during this process. 

XX/XX/XXXX I called wells fargo XX/XX/XXXX about my frayd claim remaining balance, I could have law enforcement obtain a copy of the fraudulent phone transaction made on XX/XX/XXXX. 
I received a portion of my savings account funds back from this fraud bank account transfer. 

My XXXX  was questioned by wells fargo if I made the fraud phone transfer call. 
I was reported to Dept of Human Resources about my XXXX XXXX by wells fargo. 
I received a visit to my home from XXXX XX/XX/XXXX on my XXXX XXXX and the money transfer by a representative.

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 2023-10-27
Company: Experian Information Solutions Inc.
State: DC
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:
Today ( XXXX XXXX  ) I submitted an application for an apartment, and to my surprise I was decline. It stated I was being decline due to Experian reporting a Civil Court Record by XXXX XXXX XXXX General District Court from XXXX XXXX XXXX XXXX XXXX XXXX that was filed on XX/XX/XXXXXXXX  and judgement date on XX/XX/XXXX. I was unaware I even had a judgement. I quickly contacted the XXXX XXXX Property Manager ( XXXX XXXX  ) and she confirmed that I have a {$0.00} balance and provided me with my general ledger with the XXXX XXXX as of XX/XX/XXXX ( please see attachments ) that shows from XX/XX/XXXXXXXX  through XX/XX/XXXXXXXX  I have fulfilled my monthly rent during my tenure at this property. And I was never evicted from the XXXX XXXX. So, I don't understand how a judgement was entered on XX/XX/XXXXXXXX  and I still reside at the property until the end of my lease on XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, my mother was scammed by a hacker on her Venmo account. This person, set up an account in her name and sent money to my Venmo account. She thought this person was trying to help her, so she asked me to send the money right back. This happened two times, once for {$290.00} and once for {$990.00}. I did send the money back. The hacker then sent the money to multiple different places in small amounts to an account named XXXX XXXX. He likely also linked his account to transfer the remainder of the amount from her Venmo account into, before then deleting his account information. My mother was able to file a claim with her bank and get her money back. 

However, Venmo is saying that I owe them {$1200.00} and has put a freeze on my account. I am concerned that they will take me to collections and that it will affect my credit if I do not pay them. You can easily see from the transaction history on both my Venmo account and on my mother 's account that I sent the money right back. Any payments that I receive in my Venmo account are going towards this negative balance now. I do not owe them this money. This was fraudulent activity on my mother 's account and they should be going after the hacker, not me.

Company response to consumer: Closed with monetary relief