BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: TX
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

Company 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 2021-05-15
Company: Santander Consumer USA Holdings Inc.
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:
Santander is not following through with their Multi-State settlement terms. I fall under the criteria to get the loan forgiven, get it cleared off my credit, and the title to my car. Received a postcard from the law firm handling this back in XX/XX/2020 and no word from Santander for anything. I have called their phone number and all agents have no knowledge of the settlement and will not forward me to anyone higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
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:
This account is inaccurate XXXX XXXX XXXX # XXXX. The Last date of Activity, Payment, Account Type - Detail, Account Status, High Credit and Payment History are all inaccurate and an FCRA violation. Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was very XXXX XXXX XXXX XXXX XXXX during the pandemic and i missed a car payment and was late by 33 days. I have called them 1000s of times and told them i was XXXX XXXX and they do not care. Is there anything we can do?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I began to experience issues with my Bank of America Debit card not working ( XXXX XXXX ) when attempting to make purchases. I attempted to login online and was unsuccessful so I called into Bank of America. They then reported my bank account was closed due to depositing a third party check. 

I have a joint account with my wife and I barely use it. I never deposit checks or cash checks but somehow Bank of America is claiming I deposited a check that was not made out to me. For one how is this possible? Two they know the exact date and time the check was deposited and have video cameras at all of their ATM locations. If I had deposited the check they would be able to produce video evidence. The truth is I did not deposit a 3rd party check and now It's showing on my checking consumer report. 

This false reporting is preventing me from opening an account anywhere else.

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 2022-08-27
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Unresolved Private Loan Complaint. I am trying to communicate with SallieMae about struggling to make payments and they offer no options besides to continue paying. They constantly harass my co-signer and even when I continue to make the minimum payment. I am close to defaulting and they refuse to help. However, I still make the monthly payment except it is considered late because I have a balance I can not fully cover. It is affecting my credit score and causing a lot is a lot of stress even when I still try making the monthly payment. My first issue is I originally had applied for this loan online but because there was an error I made I contacted support and they assisted me to cancel and reapply over the phone. Though I do not recall ever agreeing to the current plan I am on which is in-school interest payments plan. Therefore I had requested multiple times for them to go back to this call and reassure me that it is what I had agreed to. They never get back to me with this information and only ask me to keep paying. They provide the worst service even as a full-time student where they dont really help. They tell me I am making the minimum payment required yet the current payment plan I am on is the same as the original plan I am told I had signed up for. So I am not sure how this helps in any way. I have asked them if they could change it to forbearance but they say once I agree to terms I can not make changes. Feels like a trap to me when signing up with them. Another issue is the school Itself to where I used to pay these loans toward to. I am no longer in that school as it left me without a choice along with this massive debt that I feel seems fraudulent and also in the process of looking to file a complaint. This also prevents me from getting the potential financial help for my current school. But most importantly as of now I need this issue with SallieMae to be finally resolved. Please feel free to contact me at ( XXXX ) XXXX or email XXXX. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: EQUIFAX, INC.
State: TX
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:
Since XX/XX/2007 XXXX XXXX and Equifax have fraudulently aggressively stolen my ID .I can not retrieve my XXXX credit re po RS It does not let me dispute anything and it constantly has technical issues wants to charge me to view my info

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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:
My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX  customer service representative. Please repair this account ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 2018-11-13
Company: EQUIFAX, INC.
State: VA
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:
I purchased a vehicle from XXXX XXXX XXXX on XX/XX/2017 and two separate hard inquiries have shown up on my credit report for the same purchase. XXXX XXXX XXXX and XXXX XXXX XXXX. This should only show as one hard inquiry as XXXX and XXXX XXXX XXXX is the same company ( XXXX XXXX XXXX does the financing for XXXX XXXX XXXX. When shopping and purchasing such things as automobile and home loans, etc all inquires done around this purchase ( within a 14 day time frame ) should only show as one inquiry, not multiples as this lowers your overall credit score. Please correct my hard inquiry status to show one hard inquiry. I believe XXXX XXXX, Equifax and/or the companies listed above that did the hard inquiries can correct this issue. 


I also purchased another vehicle from XXXX of XXXX XXXX on XX/XX/2017 and two separate hard inquiries have shown up on my credit report for the same purchase. XXXX XXXX XXXX and XXXX of XXXX XXXX. This should only show as one hard inquiry as XXXX and XXXX XXXX XXXX is the same company ( XXXX XXXX XXXX does the financing for XXXX XXXX XXXX. When shopping and purchasing such things as automobile and home loans, etc all inquires done around this purchase ( within a 14 day time frame ) should only show as one inquiry, not multiples as this lowers your overall credit score. Please correct my hard inquiry status to show one hard inquiry. I believe XXXX XXXX, Equifax and/or the companies listed above that did the hard inquiries can correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Experian Information Solutions Inc.
State: TX
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:
Attempted to request my Experian credit report on XX/XX/2018 from XXXX. Received this error : A condition exists that prevents Experian from being able to accept your request at this 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 explanation
Consumer complaint received 2020-09-26
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
my Best Buy credit card and my XXXX XXXX XXXX were both used in fraudulent transactions. 
The 2 companies have closed the accounts and reopened with new numbers but I have did numerous dispute claims and they will not take care of the charges. when I first reported the incidents to each company, I was told that the charges would be taken care of. then they went back on their word. The universal card, I had been a customer of theirs for over 20 years.

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 2017-11-10
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
My XXXX 's student loan is through Nelnet and the calls are about bankruptcy and the numbers they are using are not connected to the XXXX XXXX system. They are local numbers that when calling back are disconnected. I had 4 in one day. All the telephone calls have the same voice and information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: CITIBANK, N.A.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Citi official informed on XXXX, XXXX, that they are working on the transfer, and within XXXXXXXX XXXX, of the notification, the account will be credited. 

On XX/XX/XXXX, a Citi official sent another email to inform me that the transfer will be {>= $1,000,000} if I pay {$3800.00} which I refused to pay.

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 2020-02-03
Company: SYNCHRONY FINANCIAL
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XX/XX/2020 Took my dog to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX. Dog had a XXXX XXXX in his XXXX that required an XXXX and XXXX to remove and repair. This took several days in hospital to complete. CareCredit approved me for {$5000.00} and the total bill was {$7400.00}. The remaining {$2400.00} was charged to my friends CareCredit account. I got my first statement from Carecredit/Synchrony bank. The statement closed on XX/XX/2020 and the first payment is due XX/XX/2020. I called Synchrony bank on XX/XX/2020 to arrange for at least 30 or 45 days until the first payment. I was told per a supervisor that they would not help me nor could they change the payment date. I advised them, that the first payment should be at least 30 days and I was told it was due 23 days. Since this application was completed on their app, online I was not aware the first payment would be due 23 days. Since I did not get to bring my dog home until XX/XX/2020 I was assuming the payment would follow 30 days from the discharge date in the hospital. Synchrony bank used scripted statements and refused to help or offer alternative solutions. I was informed that I will be charged a late fee as well. Since my friend helped me pay for the remaining amount on her CareCredit card, why is her first payment due XX/XX/2020? The seems to be unfair, undisclosed, and unwilling to help. I am able to make the payment, however was not prepared for the due date. Please help me get this corrected and prevent this type of billing charge practice in the future. Proper disclosure and a willingness to help allows for and educated decision. It is my understanding that since this is a fixed rate loan, why wouldn't I be given the choice of the first payment date/option? I was provided the option to choose my repayment term and apr, why not the first payment 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 monetary relief
Consumer complaint received 2017-08-01
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have a fraud case against the company that sold me the truck. Classic bait & switch. After returning there equipment to them, they sent my information to a collection agency through a finance company that is now threatening to take personal belongings. XXXX XXXX XXXX -XXXX XXXX was the salesman who purposefully lied and switched trucks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX, and XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX have 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 an 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 2021-05-15
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021, I noticed my Venno account was frozen and contacted the company to inquire as to why this was the case, as the account balance was positive. For several week and despite numerous requests, I got no answer from Venno. Just recently I was told that it was due to receipt of a transfer from XXXX XXXX that I did not initiate and Venmo refunded, all without my input of knowledge. More likely would be the fact that I received a significant payment from the IRS or a customer as both have the account details and Venmo wanted to hold the money ( rather take ) without my knowledge, under the guise of suspected fraud, which It certainly is not and is readily verifiable,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
When I first graduated in XX/XX/1998 and couldn't pay the steep payments I was told to keep taking forbearance by what was then Sallie Mae. Never once was I informed about any Income Based Repayment. I have never been in default. I finally ended up on the IBR program around 13 years ago and this year when I re certified I was given a bigger payment although I had just had a second child. I was pressured into re consolidating even though I knew that would restart the clock for any forgiveness. I was told that I couldn't get any forbearance to cover the payment while they recalculated my payment based on the fact that my finances had changed. I was told to reapply for my re certification with a paper form. I did this. I received no notification that the application was received. I paid the amount due from the previous plan and started receiving delinquency notices. and Finally 2 months later a notice saying that I couldn't re certify because it was to early for next year. Their website offers no way to figure out what is going on. The page tells you a different payment amount then a person which is different than a bill. Seems to me this company sets you up for failure. These are predatory practices. Its 20 years later and I have never been in default and my loan balances have doubled. Now for the first time I am in danger of default because of the practices of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
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:
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX opened XX/XX/XXXX closed XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
I had been wanting to close out my checking account as bank of America had started charging me a fee each month that I had never had before to my account. They claimed that I had signed an agreement regarding I must always have a certain amount of funds in the account that I never remember agreeing too. There was a bill that came out of that account and we had thought the bill was diverted to another checking account. So when I went to go close the Checking account, I noticed I was over drawn and tried to fix the situation as soon as possible. I was told to just come back the next day with the funds and they could close the account. The next day I came too the bank with the funds to find out by the teller that a credit card was opened in my name with out my permission to put funds from that credit card to my checking to bring it to the positive. 

I demanded to speak to a manager and the manager made the comment that they did nothing wrong. That the credit card I opened when I see XXXX and had closed they just had reopened to cover my over draft in my checking. Granted I am now XXXX! I was not happy and I tried to go to another location of that bank but they asked me to resolve the issue at the banks location that this all started at. As they would not help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: IN
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation