BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have repeatedly reached out to XXXX about incorrect information thats being reported. After you have finished with my request, send me a copy of my credit report reflecting these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-16
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I had a   XXXX   XXXX   while I was under wage earner. The loan was with drive financial. The name changed to Santander through the courts. Case number   XXXX   XXXX  . These changes were made without my knowledge in  XXXX . My   XXXX   XXXX   was totaled on XX/XX/XXXX . I 've submitted the police report number. I just found a copy Of The credit report that I filed in  XXXX . I found the account number for Santander. I was discharged in  XXXX  from the above case number. When I learned that I am a victim of identity theft. I changed my name in probate court to reflect my maiden name, which is  XXXX . I kept my married name, it 's  XXXX . The   XXXX   Family have stolen my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/2017, I was seeking a personal installment loan to consolidate debt. My credit isn't the best, so I was anticipating higher interest rates. OneMain Financial informed me that my Annual Percentage Rate ( APR ) on my installment loan would be 35 %. I was told that I could repay this loan for up to 5 years at {$320.00} per month. The principal amount was {$8900.00}, so I was anticipating paying over {$3000.00} in interest annually on the principal balance of the loan. What I was not notified of is that 1. ) The 35 % interest is accrued MONTHLY on the capital amount and amortized daily. So that over {$220.00} of my {$320.00} payment would go strictly to interest, leaving my capital balance essentially unchanged. I was also NOT notified that, 2. )  My total repayment would be over {$18000.00} or 118 % of the principal amount. This was NOT my comprehension of the terms when I entered into the agreement. I feel misled and held hostage. I have made XXXX timely monthly payments of {$320.00} to date and I still owe over {$7000.00} on this loan. In order for me to pay off OneMain, I will have to pay around {$850.00} per month for the next 12 months after previously paying nearly {$8000.00} already. This is NOT 35 % APR. I believe this is a blatant violation of Truth in Lending as well as predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
None of these accounts belong to me. delete it from credit. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 have never had late payments with any of these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: Nelnet, Inc.
State: IA
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:
Last week i spoke to a rep regarding needing information that had my loan repayment amount and when the next annual review date would be so I could proceed with buying a house. I was not able to get the correct payment amount without the next annual review date. The rep was not able to access this information to me without submitting this as a correspondence letter. He said they are able to generate this as an email. He had not mentioned how long this would take. I contacted today, XX/XX/XXXX to follow up as I am signing a purchase agreement with a closing date of XX/XX/XXXX, that needs the annual review date they have given verbally over the phone. I waited 3 hours on the line and spoke to 3 supervisors that were not able to give me this information via email and said the letter would be reviewed to send in 7 weeks. We informed them about the closing date and the need for the letter. They have all the information and kept telling me my review date was XX/XX/XXXX and I asked if i could get a pdf scan of that page to submit while i wait for the letter and they said it has to go through a different company. I need this letter to close on a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 'm being charged a monthly interest fee, as well as more than half my payments to interest. This is not the only company doing this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2023 I received a letter via email from Hunter Warfield trying to collect on an alleged debt from XXXX XXXX XXXX XXXXXXXX. On XX/XX/2023 I sent a letter via certified mail asking for verification of the debt and giving notice that I would be disputing the debt. I have not received a response to the letter but I have received two letters via email on XX/XX/XXXX and XX/XX/XXXX trying to collect on the debt. I have also received several calls, the most recent XX/XX/XXXX. 
*Note there are two certified mail receipts pictured. One was for mine and one was for XXXX XXXX who is also responsible for the debt and sent a verification request letter. I am not sure which was for which letter. Also the copy of the letter attached was the letter before being printed and signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent the letter off on XX/XX/23. Here is my tracking number # XXXX XXXX XXXX XXXX XXXX. To remove personal information that I do not want on my credit report.According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08
Company: EQUIFAX, INC.
State: OK
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 submitted a complaint to the Consumer Financial Protection Bureau on XX/XX/2020 regarding EQUIFAX. 

I have repeatedly asked EQUIFAX both on-line and by certified letter as is my right under the FCRA 611 ( a ) ( 7 ) for a complete description of all methods used to investigate my dispute regarding an inaccurate report of an auto loan from XXXX XXXX XXXX. EQUIFAX has NOT provided this information. They responded to my complaint filed with the Consumer Financial Protection Bureau by sending a copy of my credit report via first class mail. They DID NOT provide me with the requested Methods of Verification of the dispute with XXXX XXXX XXXX. 

I DEMAND EQUIFAX provide me with WRITTEN Methods of Verification of my dispute or delete this item from my credit report permanently. I can not move forward with a police report without information including signed contract, the business where automobile was purchased, date of transaction and ID provided at the transaction. 

I have also requested this information from XXXX XXXX XXXX on MULTIPLE occassions with NO response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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: Account status incorrect

Complaint:
I have incorrect information on my credit report. I have 2 derogatory late payments incorrectly reporting on my account. The 1st late payment is from XX/XX/2022. The 2nd late payment is from XX/XX/2022. I need these late payments removed immediately as they are incorrect. I have sent in dispute letters and tried contacting XXXX XXXX, and equifax by phone and have received no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XXXX I had XXXX and had to have a full XXXX. I was not able to work so I enrolled in college. In XXXX I took out a loan for {$1500.00} to cover the expense of college. After about six months I was not able to continue with my classes due to complications from the XXXX, so I dis-enrolled. I picked up small, odd jobs to try to pay the loan back. My physical complications progressed and got worse so I was not able to hold a job for many years. I have paid a significant amount of money on the loan throughout the years. They have transferred my loan to multiple companies many times, and each transfer I am expected to pay an absurd transfer fee. I am now a low income, XXXX year old on Social Security. Once I pay my bills I do not have enough money to provide for the special diet my doctor requires me to be on. Even after 36 years, and years of wage garnishment, I am expected to pay back {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: WELLS FARGO & COMPANY
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
The representatives of XXXX went to Wells Fargo Bank in XXXX, GA, on Wednesday on XX/XX/2017, and submitted documents on a promissory note. All representatives of XXXX sat in an office as we presented documents in order to process said documents. The intent of visit was clearly stated. Calls were made to confirm if the papers submitted were in process there was one document that needed to be changed and we retrieved the needed document. The Personal Banker said that, " It 's a go '' indicating we were ready to exchange on the promissory note. 
Then representatives of XXXX came in on Friday, XX/XX/2017, He attempted to open a business and savings account, which we did not request and, avoiding the very reason we came into the branch, which was to exchange legal tender ( promissory note ). We explained our intent and he then referred us to another Banking institution of Wells Fargo to speak with someone who dealt with our particular financial needs. We then, met with the Personal Banker 's, referal and then he explained that they do honor promissory notes as legal tender, negotiable instruments. He said we ca n't use our promissory note but Wells Fargo creates their own promissory note. We were then directed to corporate at Wells fargo. Several other calls were made to the corporate offices in California, one in XXXX and the other in XXXX XXXX, in attempts to exercise our rights regarding the promissory note according to the UCC law which is under the Federal Reserves and Maritime Law. [ Admiralty law or maritime law is a distinct body of law that governs maritime questions and offenses. It is a body of both domestic law governing maritime activities, and private international law governing the relationships between private entities that operate vessels on the oceans ]. There were 2 of the 3 callers that were very rude and unprofessional and absolutely hateful and mean, when asked questions regarding their position and if we could speak to someone else in a higher position. We got blown off and talked to as brutes, just overall violated our constitutional and civil rights and turned away without the anticipated services rendered that are due us. The corporate office representatives told us they do n't do promissory notes but two branch manager told us they do them and have done them. We have an actual recording of the conversation with one of the managers telling us that he has done several promissory notes and that Wells Fargo create their own ( PN ) on a certain type of paper. While on the phone with the corporate office representative of Wells Fargo, a call was made to the person we spoke to and we were informed by the corporate office representative, that the manager at the bank said he did n't tell us they do promissory note, it was a misunderstanding.

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 2023-10-31
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/23 I discovered that there were two fraudulent checks written against our account, totaling {$15000.00} as well as three ATM transactions totaling {$2400.00}. On XX/XX/23 I went to my local branch of Truist bank and was told to file a complaint with the fraud dept, which I did the same day. I was told by the fraud dept to file a police report which was also done, and at that time my husband and I suspected that it could be our daughter. 
We were asked whether we were prepared to file charges and appear in court and we signed to that effect. 

On XX/XX/23. I discovered more ATM and check transactions not created my myself or my husband, and those were reported to the fraud department of truist. The personel stated that they would add these to the same case XXXX XXXXXXXX The sum stolen from us totaled Approx {$69000.00} over a period of 14months. The bank has declined to reimbursed any of it, not even the fraudulent checks. citing that we did not safeguard our banking information, and failed to file charges, which is incorrect. I have sheriff dept report that we have filed charges.

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 2021-07-13
Company: United Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've contacted United Collection Bureau on many occasions to dispute this alleged debt that is a result of identity theft. This debt does not belong to me. I have provided a copy of my FTC identity theft report and all of my correspondence with this company who remains uncooperative in attempting to rectify this amicably. Failure to remove this erroneous debt immediately from my reports will result in me filing a law suit against your company for many violations of the Fair Debt Collection Practices Act 15 USC 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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 have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for.I 'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Transunion shows me as deceased with no fact checking causing all my credit accounts to be closed with no notice during a global pandemic.

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 2022-05-02
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 an auto lease with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Account : XXXX XXXX XXXX XXXX Date opened XX/XX/2017 Balance {$7000.00}.

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 2023-07-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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