BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital one has allowed someone to change my address 6 times in 2019 alone ( not including the times in years past ) I have repeated asked to have notes put on my account that make them call my number prior to making ANY changes to my account but they continue to ignore that request and allow someone to close my card and send a new one to their address. This is causing me financial issues as well as time taken away from my family and my business. Ive included a screen shot of each time this has happened in 2019 alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account # XXXX, has violated my rights. 

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

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 2020-08-03
Company: EQUIFAX, INC.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand the following account be verified or removed immediately. Thank you for your prompt assistance in this matter. 

( XXXX XXXX XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: MO
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 trust this letter finds you well. I am writing to express my deep frustration and concern regarding the continued presence of unauthorized inquiries on my credit report, despite multiple attempts to have them removed. This ongoing issue has had a significant impact on my financial privacy and creditworthiness. 

The unauthorized inquiries in question pertain to inaccurate and is still exist in my credit file. Despite my persistent efforts to address and rectify this matter, these unauthorized inquiries continue to be inaccurately reported on my credit report, causing distress and undermining my financial standing. 

I wish to outline the numerous steps I have taken in my efforts to resolve this issue : On multiple occasions, I have submitted dispute letters to all three major credit bureaus - Equifax, XXXX, and XXXX. In these letters, I have provided detailed information about the unauthorized inquiries and have requested their immediate removal. 

I have provided supporting documentation and evidence to substantiate my claims that these inquiries were unauthorized and should not be present on my credit report. 

In cases where the unauthorized inquiries are associated with specific institutions or companies, I have attempted to communicate with them directly, requesting that they retract or confirm the unauthorized nature of these inquiries. 

Despite these extensive efforts and the considerable time and resources invested, I am deeply disappointed to observe that the unauthorized inquiries persist on my credit report. This ongoing situation is causing harm to my financial privacy and creditworthiness, and it is imperative that it be resolved promptly. 

I urgently request your immediate intervention to investigate and resolve this matter. Specifically, I implore you to : Investigate the unauthorized inquiries reported on my credit report and determine their legitimacy. 

Promptly remove any unauthorized inquiries from my credit report and provide me with written confirmation of their removal. 

Review and enhance internal security measures to prevent future unauthorized inquiries from affecting my credit report. 

Failure to address this issue with the urgency it warrants may compel me to pursue legal remedies to protect my rights and seek redress for the damages sustained. Immediate resolution is essential for the benefit of all parties involved. 

Please consider this letter both an official complaint and a formal request for urgent action. I am asking for your immediate assistance to remove this unknown inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Marlette Funding, LLC
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
87th REQUEST re : account # XXXX XXXX XXXX and XXXX # XXXX emailed to XXXX, XXXX, XXXX, XXXX Good morning XXXX XXXX XXXX  : This replies to your XX/XX/XXXX, XXXX XXXX  attached email ( Nissan Owner Services, Nissan North America , One Nissan Way , XXXX, TN XXXX, ref : XXXX : ref ). Please immediately return email all duly executed legal documents Nissan used to create my ( fraudulent ) lease obligation. Furthermore : After my 18th email request for a copy of all duly executed legal documents Nissan finally emailed Fri, XX/XX/XXXX, XXXX XXXX, XXXX and later Mon, XX/XX/XXXX, XXXX XXXX  : Dear XXXX, Thank you for contacting Nissan. To discuss your Nissan Motor Acceptance Corporation account, please contact an NMAC Representative Nissan refused to email requested duly executed legal documents creating the alleged lease obligation. 
Additionally, XXXX XXXX XXXX emailed : Fri, XX/XX/XXXX, XXXX Case # XXXX, Tue XX/XX/XXXX case # XXXX @ XXXX, # XXXX @ XXXX and Case # XXXX XXXX, XXXX, XXXX : Dear XXXX XXXX, Thank you for contacting Nissan regarding the finance questions you haveplease contact Nissan Motor Acceptance Corporationso they can address all of your questions related to your private financial information. Again Nissan refused to email requested duly executed legal documents creating the alleged lease obligation. 
Please immediately email XXXX all legal agreement ( s ) you manufactured to establish your falsely alleged, account # XXXX XXXX XXXX, lease obligation. 
XXXX  on XX/XX/XXXX credit report # XXXX, having not emailed the above Nissan legal agreement ( s ) you expanded your supporting corruption with this false statement : " ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. '' I never made this statement as falsely alleged by XXXX. 
XXXX  you further obstructed with this statement " if you believe this information appears on your Credit Report as a result of identity theft ... Report # XXXX ''. 
XXXX and XXXX, please be advised of pending damages resulting from your XX/XX/XXXX false credit reports to XXXX XXXX XXXX  XXXX. 

Respectfully :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XXXX I financed XXXX XXXX w/ XXXX miles from XXXX XXXX XXXX XXXX NY. The selling price for the vehicle was $ XXXX and I was given a financed amount of $ XXXX by Santanda Bank to pay over a 72 month term at an interest rate of 21.9 %. At {$540.00} per month for 72 months it is estimated that i would be paying off $ 39k or more at the maturity date of the loan. 42 months later Ive already paid about $ 21k. I will admit that Ive been significantly late on most of my monthly payments from the start and even had 6 months pushed to the back of the loan. However, all this was because of financial hardship and extensive repairs that I had to deal with within 6 months of purchasing the car. Fast-forward to 48 months later in XXXX, while still struggling with extensive repairs and failing inspections, I still owe $ XXXX on the vehicle with XXXX miles used and a book value of no more than $ 4k. The bank says Ive only been paying interest and that my principal has yet to be affected by these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My employer has sent two checks to EdFinancial to assist with student loan repayment. The first check was issued on XX/XX/2023 for {$3500.00}. The second check was issued for {$870.00} on XX/XX/2023. BOTH CHECK HAVE BEEN DEPOSITED. NEITHER CHECK HAS BEEN CREDITED TO MY ACCOUNT. 

I have called many times. EdFinancial has a phone queue longer than 500 minutes and often does not return the call at all. I have only ever been able to speak to one representative who claimed I " have to wait ''. It has now been nearly 60 days from the first payment. They have lost these checks. They are not investigating. They are not crediting my account. They refuse to help at all. I have no mechanism to hold EdFinancial accountable and they are STEALING loan payments. This is unacceptable.

In addition to lost payments. EdFinancial is DOUBLE CHARGING my autopay personal bank account. I signed up for auto-pay on XX/XX/2023. EdFinancial then charged my account a second time on XX/XX/2023. When I called to inquire they claim to not have received either payment and refused to reverse the UNAUTHORIZED second charge on my account for {$450.00}. EdFinancial is STEALING MONEY. They never credited my loan account with these payments.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: IN
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: EOS Holdings, 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: Account status incorrect

Complaint:
EOS CCA, a third party collection agency, collecting on behalf of XXXX XXXX has falsely reported a balance on my credit report of {$160.00}. There was a previous balance of {$540.00} which was settled for {$420.00} and paid in full early XX/XX/2019 in order to secure affordable rates for refinancing of my vehicle and a suitable interest rate for pre-approval of a home mortgage. I reported the information as false with the credit bureau and I believe the company continued to show the negative balance on my credit report hoping I would call back in desperation to remove it. This has affected me as it has given me unfavorable rates for refinancing and securing other financing as my credit score was tremendously impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2021-06-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Today, I used XXXX to view my three reports online. The first one, XXXX went fine, and I viewed and saved my report with no problems. When I tried XXXX, they asked me some " qualifying questions '', none of which had any relevant data concerning me, so I answered, '' none of the above '' to all four or five questions. Immediately, i got a message that they could not display my report online and told me how to apply for a copy to be snail mailed to me, complete with copies and attachments to prove who I am. XXXX  had no problem. When I tried Experian, they didn't even ask qualifying questions, they went straight to the paper route. What is the purpose of promoting an online website where we can find out what Experian shared with the world, and the same with XXXX? 

I did a little looking on the web, and this is a known and prevalent problem and has been happening for a while now I want to be able to see everything these irresponsible companies have about me. The last time I dealt with XXXX and Experian in which I WAS able to see my data - more than ten years ago, they were riddled with outdated and erroneous information. 

If this has been recurring and unfixed, whomever is responsible should get on XXXX and Experian and make them comply.. We have no choice to opt out, but I would if I could. 

XXXX XXXX XXXX XXXX, CA

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 2021-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX  and transunion refuse to acknowledge new information after receiving emails of payment dates. 
XXXX XXXX {$100.00}, dollars XX/XX/XXXX XXXX  XXXX XX/XX/XXXX {$50.00} dollars XX/XX/XXXX XXXX, dollars XX/XX/XXXX {$30.00}, dollars XX/XX/XXXX {$40.00}, dollars XXXX XXXX XXXX  XX/XX/XXXX {$100.00} , dollars This is a breach of the public trust and should not be excepted nor excepting false information by federal licensed agents. 
During all this my bank XXXX allowed XXXX XXXX XXXX XXXX to fraudulently remove funds from my bank account for more than XXXX dollars and refuse to qaunitfy the reason by USPS this is requested because they can't be trusted clearly.

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 2019-09-21
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced with XXXX XXXX on XX/XX/XXXX, funds received by PHH mortgage on XX/XX/XXXX and reconciled on XX/XX/XXXX. On XX/XX/XXXX I notice PHH continued to bill me for 2 months mortgage payments and reported to my credit that I Was now 60days delinquent. I called several times to PHH and continue to be put on hold with no one ever coming back. I was told by PHH that the funds had been returned to XXXX because it was short of the payoff they sent. I have all documents and the pay off was accurate yet PHH continued to bill me. All of a sudden I am now being told the funds have been returned to XXXX XXXX  on XX/XX/XXXX. PHH held the funds for 6 weeks  before returning them to XXXX XXXX. I am currently in a battle when all I wanted to do was a simple refinance and reduce my debt to increase my credit. At this point they have destroyed my credit and I cant understand how PHH could hold these funds for 6 weeks and not communicate with any of the parties involved for 6 weeks and continue to charge me daily interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am seeking information about the date on which the alleged delinquency occurred, information that should have been provided by XXXX XXXX XXXX  XXXX. I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. While I understand that trade lines are typically removed after seven years, I would like to know the precise month and year when this particular trade line is set to be updated. Additionally, please furnish me with the address to which you mailed your request or the phone number you used to contact them. I am not interested in a general response outlining your usual investigation process. My request pertains to a comprehensive breakdown of how you received these specific responses. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-07
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Withdrawl date : {$250.00}. 
Unauthorized XXXX Transfer to a person I did not know. 

1. Called fraud immediately after noticing unauthorized transaction 2. Citibank could not freeze account as they could not trust it was me ( phone number not verified? ) 3. Called again and was able to freeze the account by verifying my Mothers cell phone number. 
4. Went to Citibank XXXXXXXX XXXX XXXXXXXX branch and sat with banker with the intention of closing the account. 
5. Wanted to take the money and put it in a cashiers check to deposit in spouses account. Was told I needed to open a new account to transfer the money into to make a cashiers check, then could close the account ( could not close the old account while fraud investigation was taking place ). 
6. Opened account for transfer to cashiers check successfully. Downgraded the account to reduce the minimum balance requirements to not accumulate fees. Was told if I link the two accounts, the two would work together to add the total balance to not get fines ( minimum {$1500.00} on both accounts, but if they were linked I could keep {$1500.00} total for both and not get fines ).

7. Turns out, I didn't have to open a new account and the information about linking was incorrect. I also could not close the new account the same day it was opened. Banker assured me she would watch the old account so it would not have fees added. Left store with An additional bank account, less money than intended, and no answers. 
8. XX/XX/2021 - Letter from Citibank stating 'there are elements of the claim that lack credibility ' and 'we believe that the transactions that comprise your claim must be considered authorized and, as a result, we are unable to honor it. ' To summarize, issues in freezing the account, bank of ~15 years could not properly identify it was me even after answering all questions, was lied to twice in store, fraud claim denial on a XXXX transfer not authorized.

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 2023-10-25
Company: EdFinancial Services
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have contacted EdFinancial Services several times over the past XXXX months to remove improperly accrued of interest betweenXX/XX/XXXX-XX/XX/XXXX Interest should have been re-paused for all of them while I was enrolled in graduate school. This seemed to happen but only for some of the time. Between XX/XX/XXXX, there are several periods of time when interest would stop and randomly accruing for a few months even though I was enrolled the entire time. This resulted in being overcharged a substantial sum of money. Several of the payments made during that period going to this improperly accrued interest rather than the principal of the loans. The problem seems to stem from several enrollment status errors are listed on the Federal Student Aid 's website. 

EdFinancial Services removed some of the interest in XX/XX/XXXX ; however, their calculation still appears to be incorrect. I've requested a complete breakdown as well as their methodology for this calculation multiple times ; however, I have not received them yet.

Company response to consumer: Untimely response