BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-29
Company: Santander Consumer USA Holdings Inc.
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hello, I'm writing you in regards of a closed auto loan on my credit report. The company is Santander Consumer USA. The company sold the debt to XXXX XXXX XXXX. I received a letter from a process server that they are threating to sue me if I don't pay this debit. The account is closed on my credit report and XXXX XXXX isn't even on my credit report! XXXX XXXX reaged the debit several months ago. I need your help getting Santander Consumer USA OFF all 3 of my credit reports. The company has threatened me during a pandemic and I just started a new job! I was unemployed for several years. What they are doing is against the law. XXXX, XXXX, and XXXX wont even let me dispute it anymore! That's against the law! Please help me ; Santander Consumer USA or XXXX XXXX XXXX XXXX they are breaking the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
My Credit score is XXXX My credit card # XXXX XXXX XXXX XXXX Exp XX/XX/24 Had this card for 4+ YEARS. ALL OF TRANSACTIONS ARE BEING REJECTED BY BARCLAY 'S BANK, OVER THE PAST 30 DAYS. I HAVE PAID ANY AND ALL XXXX BALANCES IN A TIMELY MATTER. I HAVE SPENT OVER SEVEN ( 7 ) HOURS ON THE TELEPHONE TRYING TO RESOLVE THIS MATTER SPEAKING TO THE SUPERVISORS ON DUTY. THAT ASSURE ME EVERYTHING HAS BEEN RESOLVED ONLY TO HAVE MY NEXT PURCHASE REJECTED. 
BARCLAYS BANK IS A BANK THAT CAN NOT BE TRUSTED. )

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 2021-06-09
Company: Nelnet, 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:
XXXX XXXX - Why bother claiming that you only provide the most accurate and verifiable information if you really dont? I requested proof of payment history. Where are they? You dont keep accurate records, do you? Let me tell you, according to the FCRA, you cant ignore a consumer 's request for an investigation ; you actually have to do it and send the results within 30 days. Your time is up and you didnt do your job. Take this off my file! 

DEPTEDNELNET - This account is also showing to be 120+days past due and shows a scheduled payment amount. Again, if this account has been transferred and this company no longer owns it, can they report this information? Answer is : No. You need to correct the current status to say : Paid as Agreed and remove all the negative information immediately. 

DEPTEDNELNET - This is showing to be 120+days past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I didnt give my permission for this company to report my personal information to any reporting agency or person and they are in violation of my privacy rights

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I called Freedom Mortgage customer service to inquire about the PMI for my converntional mortgage. I explained that I'm closing in on 80 % LTV and that I'm confident that if I had my house appraised it would appraise higher than the initial value and push the LTV below the 80 % mark. They looked into the account and then instructed me to send an email to customer service to start the process. After submitting the email I received a letter in the mail stating the steps to complete the appraisal of my house and the conditions that had to be met. In this letter it clearly states that the appraisal must demonstrate a Loan-To-Current-Value ration of 80 % for loans aged greater than 5 years. 

The appraisal resulted in the following : Sales Comparison Approach : XXXX Cost Approach : XXXX The conservative value of XXXX was used as the official value of the appraisal which placed the LTV at 77.01 %. 

I received a letter on XX/XX/XXXX stating that after a review of the account, the request to remove PMI was unable to be approved. The reason being that a LTV of 75 % was required. I have made four calls to customer service to gain clarity on what the requirements are and also to understand what the age of my loan is. Neither question could be answered satisfactorily. From my point of view the request was denied with a stated reason that contradicts the attached letter stating the requirements. When I asked to speak with someone that has knowledge of how the PMI requirements work I was told that they do not take calls and there is no way to contact them. 

In addition I have completed 70 payments on my mortgage promptly and in excess. The best answer I have received to date is that my mortgage is not greater than 5 years ( first payment XX/XX/XXXX ). Proof has been shown that value of the house has increased and I have excellent credit. I have tried to explain to Freedom Mortgage that my mortgage being 70 months old is actually greater than their requirement of 60 months but they disagree. 

As a consumer I should not be billed for unnecessary private mortgage insurance. 

Thank you, 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 2020-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/20 XXXX XXXX XXXX charged {$1900.00} to my credit card. Since I didn't rent nor authorize anyone to rent after XX/XX/20 I called Capital One, I was given a refund. Then I was rebilled. I kept emailing XXXX. First I was told by XXXX there was no record of {$1900.00} being paid by Capital One. I kept insisting until I was told that the charges were for rental from XX/XX/20 to XX/XX/20.I have been fighting both XXXX & Capital One. 
My son XXXX XXXX was an authorized user on my account and, since he couldn't word due to the pandemic, I authorized 2 rentals for him ; Capital One paid XXXX {$470.00} on XX/XX/20 and {$430.00} on XX/XX/20. On XX/XX/20 Capital One emailed me that 2 charges from XXXX were declined ; since I didn't authorize those charges, I removed the authorized user from my account and cut his car up into small pieces but that didn't stop Capital One from paying XXXX {$1900.00}. XXXX even though the account # was entered manually. To add insult to injury, Capital One emailed me on XX/XX/20 that a charge from XXXX to that same non-existing card was declined but the next day {$440.00} appeared on my account. This is outrageous and very unfair. Today I got an email from XXXX and XXXX XXXX stated that the XXXX was reversed. Even though I'm still disputing the charges, Capital One charged me interests and withdrew {$300.00} from my checking in XXXX and XXXX because I'm on automatic payments. PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Exeter Finance Corp.
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: Report provided to employer without your written authorization

Complaint:
I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX XXXX Balance : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Card was opened in my name prior to my XXXX birthday. I have continuously disputed that I opened the card and have made several attempts to provide information proving this. The collection agency keeps contacting me during my work hours. However they have not provided proof as I have. I did not authorize the opening of this credit line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. JPMCB - CARD SERVICE Inquired on XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Mountain Run Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Mountain run solutions claims I owe a debt of XXXX for an alarm I never had with vivint smart home. I never signed an agreement with that company. But I did sign an agreement with brinks which was forwarded to XXXX to assist me with this company and remove them from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The company has had multiple request for proof and continues to fail at meet the burden of proof they have no credit appl no signed payment agreement and no loan documents

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 2018-07-27
Company: EQUIFAX, INC.
State: WV
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 disputed a negative account on my Equifax credit report where I was a authorized user only and not responsible for payment XXXX and XXXX  deleted this account from my credit report with them but Equifax refuses to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I got a car loan through Western Funding, on XX/XX/2015. I had the car XXXX week before it started breaking down and leaving me stranded with my baby on side of the road, I had the car towed to the car lot per/ Western Fundings orders, after they fixed the engine pully that broke and stranded me and my 2 month old daughter I had the car 2 days after the car lot worked on it and the car completely quit so I called Western Funding yet again and of course they told me to have it towed back to the car lot so here I go spending another {$170.00} for towing fee, the car lot tells me that the car is a lemon and they want to give me a different car. I agreed, the bank aka/Western Funding also agreed, but then tells me I need to put ANOTHER {$2000.00} downpayment on a car that was {$3000.00} cheaper than the previous car, the sales man and I both was confused on to why I need to pay more of a downpayment, so I told Western Funding NO I couldn't afford another downpayment I had just given them {$3000.00} downpayment 2 weeks ago, so now not only am I without a car I'm also without the {$3000.00} downpayment I had just gave them, Western Funding refused to give me any of my downpayment back which when I originally opened my Auto Loan account with Western Funding they told me I had 30 days, if the car broke or was faulty I cod get my deposit back, and that it would NOT go against my credit. Well that's all a LIE they have 2 REPORTS on my credit and refuses to stand for HONESTY AND DIGNITY.. they are scam artists they tell you what you NEED to hear in the moment of need and XXXX YOU AS SOON AS YOU BECOME THERE CUSTOMER

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 2019-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX/XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

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 2022-12-30
Company: EQUIFAX, INC.
State: CT
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:
Hello I have contacted the XXXX XXXX XXXX and also credit inquires for over a year and was told by the supervisor and that the account will be removed and I was not in their system after verifying my social, and that they would contact the credit bureaus to remove this as soon as possible. Please remove this off my credit report as soon as possible and update. I have police reports and ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi I am having another problem with HSBC bank. My mother went into the hospital in XXXX and now is in XXXX, on XX/XX/XXXX I went to HSBC bank in XXXX NY to have power of attorney for my mother XXXX XXXX account. brought the power of attorney to the bank and delt with XXXX XXXX. I signed the forms and did what he said I had to do and he told me he would let me know when it was done. It is going on 18 days since I went there and I have not heard back. When I try to get in touch with him there is no answer and I can not leave a message because it says mailbox is full. I have tried to call the branch but they do not answer the phone, I repeatedly redialed the phone about 50 times on numerous occasions and got the same results. It is impossible to contact or speak to anyone at that branch. I have gotten through to customer service twice but each time they told me there is nothing they can do on their end. I need to take care of my mothers bills while she is in the hospital that is the reason for the POA .How can I get it done when customer service can not help and I can not get in touch with the branch. This is the third complaint I am filing about HSBC bank for three different problems. This is the worst bank I have ever delt with and want to close out these last accounts and never have to deal with them again. They are also charging XXXX dollars a month service fee on the account and the longer they drag this the more money it will cost my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
i was trying to buy a house and notice there was multiple names on my credit report

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 2021-01-25
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have contacted the credit bureaus, and reported of the inaccuracies on my credit report due to my bankruptcy, and they have not responded. The three credit bureaus are reporting wrong information on my credit report. Equifax sent a letter saying that I need to send in my driver 's license and a utility bill, in which I did. 

If my bankruptcies are not removed, due to inaccurate reporting, I want to file a lawsuit against XXXX, Equifax, and XXXX. Attached is the copy of what I have sent the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 2022-10-19
Company: Experian Information Solutions Inc.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 explanation
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
State: CA
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:
Please review and note my perfect payment history speaks for itself, the reason I was late for these payments were extraneous circumstances, I did not receive statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have emailed and mailed a copy of my Bankruptcy discharge to Capital One numerous of times in XX/XX/XXXX for the amount of XXXX which was included in my Bankruptcy discharge. Capital One has acknowledged recievment of the document, but its still listed on my account. I would like this information deleted from my credit report as it is not accurate. 

I will be escalating this matter further! 

A creditor is not allowed BY LAW to continue punish you after a legal discharge of the debt. Capital one is in violation of the FCRA by reporting a balance other than XXXX dollars to the credit bureau. This matter needs to be address immediately. This Bankruptcy was filed in XX/XX/XXXX, why am I still dealing with this issue???

Company response to consumer: Closed with explanation