BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Upon checking my most recent credit report, I noticed that you are continuously reporting accounts with incorrect erroneous information. This is a massive violation to the Fair Credit Reporting Act. I have already addressed TransUnion with regards to this issue and I have not received any response from them until this date.

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 2019-03-19
Company: AMERICAN EXPRESS COMPANY
State: MO
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:
I recently received and closely studied a copy of my credit report. To my dismay, it seems that the credit report currently shows an alleged credit inquiry by AMEX that is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding neither them or any other entity have the unrestricted ability to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of truth, accuracy, timeliness, and compliance on any consumer 's credit profile history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: CA
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 contacted US Department of Education and they provided a letter. They stated that they do not have any information on me that should be reported, as they are aware that it is past the Fair Reporting Act limitations of 7 years. The reporting agencies state that US Department is still reporting and but the US Department of Education states they are not reporting. Anyway, although this account was paid in XXXX. The loan was delinquent in XXXX and closed at that time.

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 2023-06-02
Company: Shellpoint Partners, LLC
State: OH
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, this creditor has violated my rights. Under 15 USC 1681 section 2 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a loan account under an open and consumer credit plan as late for any purpose. 

NR/SMS/XXXX Account XXXX : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my payments for a home equity line of credit due to Covid 19. Wells Fargo allowed me to suspend payments and recently I was working with them to do a modification. I was initially informed that the payment would be reduced and the loan could be modified after making initial 3 months of trial payments. On the XXXX month I was sent a packet with documents detailing the new agreement and asked to sign off and send to them within 15 days. After reading into the detail it showed that my payment would be increased on the 2nd and 3rd year to an amount higher than initially told, When I spoke to the home preservation department I received conflicting info and no clarity to how this happened. I was told by a rep that I could think about it and that the time period wasn't exactly 15 days but I should just keep paying the monthly trial payment. I proceeded to make a total of 4 payments and when attempting to make my 5th payment I noticed the account was missing from the web portal. I then received a letter stating that the modification was cancelled. When I spoke to the bank they informed me that I was in foreclosure and I would have to re apply for assistance but first send a letter stating why. I'm now waiting for another application but was told that this could be done online and an email would be sent to upload any needed documents. After waiting a week I received no email and I'm still waiting for the application. I don't feel they have been trying to help with anything and I simply want to get this resolved before a foreclosure happens. I received a letter with the inten to foreclose and I'm very unhappy with the deceptive tactics being used by them. Please help!!

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 2022-11-01
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: Old information reappears or never goes away

Complaint:
This account Dept of EdXXXX was opened on XX/XX/2011 and is already paid off and I recently asked for this to be removed but I did not receive any response.

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 2020-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America did not notify me that my account was closed. I am a victim of a hacked account and bad check scam. Around XXXX XXXX XX/XX/2020 I received an email someone not me had mobile deposited a check into my account. When I logged into my account it showed my account was locked and did not let me access my money. I tried calling all the Bank of America NA and XXXX XXXX XXXX Area numbers and waited upto an hour without response. Bank of America is refusing to respond to calls. Bank of America is not giving my money back.

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 2021-08-21
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I try contacting this company on XX/XX/2021 via certified mail requesting validation of the alleged debt and never received a response from the company. However the company still reporting as a collection on my credit report and damaging my character, by law and by the letter a sent to them via certified mail they had 30 days to respond with proper evidence and/or proof that I owe the alleged debt. Currently this company is in default by failure to reply with me, pursuant 15usc 1692g I have the right to this information within 30 days or if failure to respond it results on default and it needs to be remove from my credit report immediately by FDCPA ( Fair Debt Collections Practices Act )

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 2023-09-08
Company: Experian Information Solutions Inc.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 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 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 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 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 2023-06-02
Company: Aspen National Financial, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently checked my credit report and found that this company is attempting to collect over {$4000.00} from me. I do not recognize this company and have never signed any promissory note with them. I reached out to them and asked a series of questions I am permitted to ask under the authority of The Fair Debt Collections Practices Act. I received a response that did not answer any of the questions I had asked and in my opinion they could not properly verify the owed " debt. '' I asked for a copy of the original promissory note I signed with them, general ledger statement, etc. I did not receive these. 

I believe they have unlawfully purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note. 

I believe they are also in violation of the so-called forum selection clause. 

They are also trying to collect a non-transferable contract. 

Lastly, they could not verify that they are authorized to act on behalf of the states creditor. 

These were all questions that were asked in my original correspondence with the company and they responded without answering any of the questions from my original correspondence. I sent a second correspondence reiterating what I was asking for and have not received any response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-12
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
To Whom It May Concern, I was recently looking at my credit score on XX/XX/2020 on XXXX I noticed there was an inaccurate report on my file and I wanted it removed from all the credit agencies as this was already handled in collections. I had paid this company XXXX off in full. I believe it was XXXX XXXX XXXX. Either way this was all taken care of back of and paid in full. They had agreed to remove this entire account from my credit report as I paid In full with the understanding that all this would go away. That was the way they explained to me. I am getting it with countless late fee 's that I shouldn't be hit with since this account is suppose to be removed from my report. I have called the company a few times and they have admitted it should be off my report. So I am unsure as to why it is still on my credit file. On XX/XX/2020 I called the # on file and they said I should report to each credit agency directly. I am hoping you guys can help me out under the fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Shellpoint Partners, LLC
State: OH
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, this creditor has violated my rights. Under 15 USC 1681 section 2 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a loan account under an open and consumer credit plan as late for any purpose. 

XXXX  Account XXXX : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: LEXISNEXIS
State: PR
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:
Lexis nexis keeps violating my rights, they are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information they are reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

I, therefore, request that they immediately delete the items specified above from my consumer file with their agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I received a car loan from Wells Fargo. They said I didnt pay my car payment and I didnt have insurance when I actually did. They were charging my loan every month for over 3 years their car insurance price to my loan. Doing so I couldnt figure out why I wasnt ever caught up and current on my car payments.

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 2018-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I am a victim of the Transunion inquiry issue and their customer service would not help and take care of the negative inquiries reporting to my credit report. They are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Transunion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that these inquires be removed due to Transunion 's negligence. 

Thank you 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 2021-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Upon review of my FICO with XXXX  XXXX XXXX, with no delinquent payments and excellent credit. My credit score dropped an unimaginable 24 points at once!!!!! The justification stated that the change in score was due to " lack of auto loan and installments, '' I paid off my auto loan with XXXX in XXXX ofXX/XX/2020. This is totally unacceptable and not fair. I've been penalized in the past for paying off balances in which my score would drop by 7-8 points. This decline in score puts my rating at XXXX. It's frustrating and totally unfair to be reprimanded for doing the right thing in not accruing any debt. XXXX said it's the credit company TransUnion, and TransUnion sent me back to XXXX each pointing the finger at the other. My anxiety level and XXXX XXXX increases at the thought that in doing the right thing by ensuring I don't carry debt I get punished for paying off my bills. In this environment I don't want to worry about owing money especially with me managing my spending I can use savings to assist someone in need. 
Please help in to understand how this continues to happen to me, that my score changes on such a consistent basis and i refuse to take out unwarranted loans or credit cards i don't need. Thank you for any assistance you can provide.

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 2023-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
capitol one card opened in my name caught on a XXXX XXXX alrt called capitol one and started complaint also got sheriffs report number XXXX with XXXX XXXXXXXX XXXX  XXXX since has bee deacitvated had XXXX on it address was also a fraud deal per sheriffs office also a XXXX XXXX was tried to be opened but did not go through since have froze all credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Monday I called Capital One to explain that a credit card had been opened and approved with my social security number, and that it was totally fraudulent. I gave them my social security and full name. I was told the card had been approved, a business card for a company called XXXX XXXX. I told them that it wasn't me to please cancel it. 
I was told to call back in 7 days, I called back in four days to be told that they had mailed the card out already. At first they thought they were talking to the scammers and calling it MY ACCOUNT. I had to explain again, what was happening, even after spending over an hour on phone with them on Monday XX/XX/XXXX. I have life lock and they notified me and stayed with me on the line the entire time. 
I am now being told the fraudulent card is put on hold and they won't be able to purchase. I had beg Capital One again to PLEASE not let them use this card. 
I am a victim of Identity Theft, I asked for this card to be closed, Capital One did not take action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-18
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX XXXX 2019 I co-signed on a car loan for my son. I am a XXXX  and already had two other car loans and honestly didn't think they would allow my info. to be used based on already low credit and obligations, but somehow they did. I should have known it would have turned into the nightmare it has. He has defaulted, had a major accident and total loss of vehicle. Aside from that, I want to be released off the loan for the following reasons which I have already tried to address : There was a Multi-state judgement against Santander Consumer USA Inc., which Chrysler Capital is under license with and tried to reach out to Santander, Chrysler Capital, XXXX XXXX, and the XXXX XXXX XXXX XXXX for help for clarification about status of where I would fit into this class action suit as I clearly ( possibly my son ) fit into the stipulations as a party defendant. I have not heard anything, but instead get upwards of 8 phone calls a day from Chrysler Capital and hits on my credit report constantly due to this defaulted loan. I would simply like to be released as a co-signer on the loan as this loan was upside down from the beginning and fits all definitions of a predatory loan.

Company response to consumer: Closed with explanation