BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-31
Company: Experian Information Solutions Inc.
State: TN
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: Was not notified of investigation status or results

Complaint:
I'm desperately trying to get in touch with this bureau. I sent letters at least over 60 days ago to this bureau and they have not responded what so ever. I'm highly upset plus stressed out and have been sending letters before this with no response. They are clearly breaking the law and do not care to abide by it. Don't they have a time limit on how many days they are required to respond to a regular consumer?

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 2018-08-25
Company: DFC Global Corp.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
It was very clear that its pay day. And then they will check credit. Im not afraid if they do but it was clearly stated on their website the requirements. misleading the consumer and causing anxiety. They should have taken and put that they will credit check instead of fooling people. 

This kind of abuse to consumer should stop.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
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 fraud alerts or security freezes

Complaint:
Experian refused to honor my request to place a security freeze on your personal credit report based on the information you entered. I entered everything they asked for. I think they are purposely being difficult so I'll buy their monitoring product.

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 2020-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 am thankful Capitol One extended me credit 9 years ago. I have a XXXX secured credit card XXXX {$350.00} credit line ) and an unsecured ( {$3600.00} XXXX they continue to charge me XXXX XXXX for the secured credit card. The manager I spoke with said he can not do nothing about this it was based on my credit score at the time of application however anyone who reads the newspaper know the fed is lending this bank money at 0 % I am a taxpayer if XXXX  helps them with low interest rates, why should I pay so much? 
Also with widespread unemployment in the United States they outsource jobs to other countries because I spoke to a friendly rep from overseas These interest rates are way too high so perhaps I'll take the matter up with XXXX XXXX XXXX XXXX The spread of a consumer loan and what the bank is getting money from my federal government is way too big

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: EQUIFAX, INC.
State: NC
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:
on XX/XX/XXXX I advised the rep thru online chat I needed to file a dispute. It was from XXXX XXXX. He said he filed the dispute and gave me Ref # XXXX. I went online today and was going to payment another payment on my account and seen the balance was still the same. I spoke to XXXX  thru online chat and he said a dispute was never done. gave him the ref # that I was given and he said it would not start like that. He pulled the charge up and said I would need to call the security team. The late payment saying I was 30 days late also needs to be removed from the credit bureaus since XXXX never mailed me my statements. I have sent them a copy of the online chat from the XXXX saying it would be removed. I was told from that person and was also told from XXXX which is a supervisor saying it would be removed that it was a banking error. I'm sorry that I even took there credit card. Once this is done I will NEVER do business with XXXX  AGAIN. When you call this company and speak to different people you get different answers to your questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Santander Consumer USA Holdings Inc.
State: CT
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:
There is a lot more but all documentation is in my lawyer 's hands. 
I can sure provide copy and much more details if needed this has been going on for over a year now and at least 6 months since my initial call to the bank. 

Santander has been the subject of other lawsuits. My complaint appears to be similar. I've been paying the loan for over 3 years. Around XX/XX/XXXX strange things started to happen to my account, which I noticed around XX/XX/XXXX. None of ALL the payments I made in that period, went towards the principal of the loan. 100 % of each payment ( around XXXX $ / month ) went towards the interest with the obvious consequence that the payoff amount didn't go down XXXX cent. Countless calls never answered, a proof of a contract requested ( other than the paperwork I have from the car dealer ) was never produced and also my lawyer never received anything. On top of that instead of answering, I received a threat they would repossess my car if I didn't pay XXXX . I agreed to pay XXXX $ and another XXXX next Friday. will this solve? They say my account is still past due which is what they want so payments will only go towards interest. One day they say I'm current and the next I'm past due for XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Bank of America on XX/XX/XXXX sent me a letter informing me that my risk profile somehow no longer aligns with the bank 's risk tolerance. They sent me this letter XX/XX/XXXX, which was just 4 days before my due date. They currently owe me XXXX points, for the purchases I made on my account from XX/XX/XXXX to XX/XX/XXXX at the very least, which is the date that they made the decision to close my account. I was a BofA Platinum Honors member and I thought a very good customer. I never missed a payment, always paid in full, have a great credit score etc etc. I am owed these points for the purchases I made and it is absolutely abhorrent that they think it is okay to steal peoples points just because they randomly think that someone is now a different risk. I believe this has to do with the Coronavirus and treating people unfairly because of it. That is the only thing that has changed with my risk profile. So I want Bank of America to give me my XXXX in the form of a credit to my checking account, which represents the points I earned from XX/XX/XXXX to XX/XX/XXXX the date that they closed my account.

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 2018-08-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I have been disputing the charge of {$1000.00} ( order XXXX  XXXX, XXXX tracking XXXX ) since XX/XX/2018, i.e. 4 months. 

I received this package damaged, fixed with tape and no contents inside. 

I did not receive any response to my claim that I sent to both XXXX XXXX and the issuer of the credit card that I used to pay for the purchase, XXXX XXXX ( XXXX XXXX credit card. ) As initially I though that the missing contents was related to the carrier ( XXXX ) I filed a lawsuit against XXXX. As of XX/XX/2018 I obtained a judgment that ruled me go against the Seller of said product. 

Neither the seller, XXXX store, nor the XXXX XXXX XXXX  credit card issuer, XXXX XXXX, resolved the issue as of now.

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 2019-05-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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 accounts listed below. 

XXXX XXXX XXXX XXXX XXXX ; XXXX  XXXX XXXX XXXX   XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX has been non-compliant with removing the unverified account USAA FEDERAL SAVINGS which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that USAA FEDERAL SAVINGS was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
It has been brought to my attention that an old account ( XXXX XXXX XXXX ) has been removed and put back on my credit report numerous of times.

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 2019-05-28
Company: National Credit Systems,Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection on my credit report that is not mine. Someone forged my signature and the company in question refuses to listen to me. I have tried disputing it with the bureaus but have had no luck. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: EQUIFAX, 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 sent a letter to Equifax, regarding the numerous inquiries. Equifax representative told me that there is nothing that can be done. I have a fraud alert placed on the account, and explained that I did not apply for credit. But, again the representative told me there was nothing that could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have multiple hard Inquiries on my credit report that are not mine or that are duplicates and should be deleted because they are violating the FCRA. I feel that I am a victim of the shotgunning of inquiries on my credit report or possibly even misplaced hard pulls on my report that do not belong to me and they need to fix my credit report. I have tried to mail both the creditors and XXXX  already with no results. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrences and delete the following : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX MORTGAGE SERVICE Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: DISCOVER BANK
State: GA
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:
I opened a Discover card on XXXX XXXX was SECURED with a XXXX deposit. I closed my account XX/XX/2018 due to overpayment and not receiving my security deposit. A credit balance payment of XXXX was sent to me, so at thay point I had a XXXX balancr5.However no credit was availa ble. I contacted Discover and was told they could only release XXXX, becausr they were waiting for a XXXX chevk to clear. As I explained to the rep the XXXX check was to be applied to my deposit as it was stated in the check memo.i was told by Discover I could not do this. I then requested my check be returned to me.Only XXXX dollars was released and i charged XXXX Which I sent Discover a money ORDER which was sent to XXXX XXXX in the executive office as he was supposed to be handling my account. My XXXX check has never been sent back, instead they held it for 10 days applied it to my XXXX balance account chevk was never paid by my bank. So the XXXX payment was put back on my account even though I had a XXXX  balance. So when i closed my account they applied the XXXX check against by deposit and kept it. I have sent numerous emails and letters to XXXX XXXX with no RESPONSE. I even emailed him my current statement which shows a XXXX  balance no payment due and a credit limit of XXXX. How can I have a XXXX credit limit when my account has been closed for 2 months. I have sent 3 different complaints to the XXXX XXXX  XXXX. The latest email I received from Discover is that they can't locate my paymeny?? Then how do i have a XXXX balance. Now requesting a copy of my PAYMENT which will continue to delay the XXXX refund that I am owed.Thiz is BEYOND ridiculous that after 2 months and 20 emails to XXXX XXXX at the executive office and this is still not been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Experian Information Solutions Inc.
State: GA
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:
On or about XX/XX/XXXX I wrote certified letters petitioning XXXX, Experian and XXXX about erroneous items on my credit report, I asked for validation of these accounts and my authorizing of them to the creditor according to Section 609 of the Fair Credit Reporting Act, despite my legal rights of the aforementioned private agencies to report show validation of their reporting, I have received no such proof. This lack of effort/proof is leading to a negative fray on my financial representation and essentially leading to institutional slander of my credit worthiness. I also, sent certified letters of the same on XX/XX/XXXX to the aforementioned private entities and once again to no avail as to providing proof of reported accounts. My next step is legal action and I am petitioning this body of law enforcement to arbitrate and save both parties the negatives efforts such a case would bring about.

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 2017-11-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Equifax have consistently refused to remove unsolicited inquiries from XXXX credit from my profile.I have sent documents to them twice and reported this to CFPB twice. I did not solicit or receive any credit from XXXX. The XXXX inquires from XXXX should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed and am still disputing this late pay with XXXX XXXX. Until Today, I was unable to find all the proof I needed. Now I have it ... This late pay XXXX XXXX Keeps Reporting needs to be removed from my credit report. It is a 30 day late payment from almost 2 years ago. That is how long I have been asking them to remove it. I had to search old emails to find this. On the attached email, you will find the XXXX representative who assisted me, as well as the the TAX office person who assisted me. This XXXX representative was very helpful, in submitting this error to the credit department for removal. However it still has not been removed. What happened..Due to a tax exemption, XXXX was overcharging me. They eventually straighten it out and even sent me money, however they somehow charged me a 30 day late in the process. During this, I was told I did not have a payment and cancelled a check. XXXX is saying this is returned check, which is not true, as the money was already in escrow. Im asking XXXX to do the simple and right thing, and remove this one late pay as they promised. Please talk to the XXXX rep. She was very helpful and promised to assist me in getting it off my credit report. She stated it was being handled, before she changed departments and that it was submitted already for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Nelnet, Inc.
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This was discharged in a previous bankruptcy and they have not sent any further notice and showed up on my credit report as paid late, no billing no notification

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
All three credit bureaus were reporting three different bankruptcies, and the courts do not verify bankruptcies. Therefore, the credit reporting agencies pulled that information from a third party reporting agency. So that information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: MB FINANCIAL, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied and received a mortgage from MB Financial in XX/XX/2017. I usually make extra payments to payoff my mortgage sooner. I have made several payments to principal on line on the bank '' s website. 4 of the the payments made have been mis-applied. I have had to contact them to reverse those payments and re-apply correctly. Each time they admit that they need to correct the processing method on their website, that they have been having problems with this. They have not done that yet. As a result, I am paying extra interest on my mortgage. I am a semi retired senior who worked in the XXXX XXXX for over 22 yrs. Including working for the XXXX. I would like for the Consumer Financial Protection Bureau perform an investigation as to why they are applying payments incorrectly.

Company response to consumer: Closed with explanation