BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: GA
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:
Privacy and Confidentially under 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 602 A. States I have the right to privacy.

15 U.S.C. 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without mt written instruction.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have a student loans with navient dating back to XX/XX/XXXX-XX/XX/XXXX. thru most of the earlier years, I signed up for forbearance but around XX/XX/XXXX, i got act together and they put me on a payment arrangement based on income. Each year, my payments went up but still affordable until about XX/XX/XXXX or XX/XX/XXXX. On a sunny XXXX day, I log into my bank account to see that over {$900.00} was withdrawn from my account. My normal payments were approx $ XXXX/month. 

I called Navient and asked why and how to i get the money returned because I can't afford $ 900+/month. At this time, they said my only option was to pay the $ XXXX/month or go into forbearance AGAIN. I said that makes no sense, I'm telling you I can afford $ 300-ish per month and you will not work with me. So i took the forbearance for a few months to only get notified that I my payments would be greater than $ 900/month now due to the forbearance. Fast forward to today, and my loans are no with collection agencies. I'm working to clear up my credit and was simply going to pay off the loan - approx $ 12K, in  full until I heard about the lawsuit against the company for misguiding borrowers. 
Now I don't know what to do. Do I qualify to be a part of the lawsuit? I am not a teacher or public servant. If i do quality, should I pay off the loan now OR do i wait?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I received a bill for personal property tax from my previously financed XXXX XXXX XXXX for {$230.00} from XXXX County ( see attached notification from XXXX ). This bill is incorrect, as it was levied based on the car being registered for 7 months ( see attached bill from XXXX County ) -- this is impossible since the plates were transferred from the XXXX XXXX to the new XXXX XXXX XXXX I leased in XX/XX/XXXX. I can provide a copy of the registration for my new XXXX showing this. XXXX County informed me the disposal date with the DMV needs to be updated and/or paperwork filed. 

I was informed by XXXX ( refused to provide her last name for " personal privacy '' ) with Honda Financial Services today, XX/XX/XXXX, that I must pay the full, incorrect amount, wait 2-3 weeks for XXXX/Honda Financial Services to file an abatement, then wait another 8-12 ( " possibly longer '' ) weeks for the state of Virginia to respond and THEN be issued a refund. 

The fact that XXXX paid an incorrect bill is not my fault. The fact that Virginia issued an incorrect bill is not my fault. 

I estimate my actual tax burden to be around {$100.00} ( 25 % or 3 months ' of the full years ' tax ), and I am happy to pay that amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-22
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried on numerous occasions to update my address with the creditor and dispute late payments reporting due to insufficient address. I spoke to a representative and on XX/XX/XXXX a dispute was put in but it failed to resolve my issue. On XX/XX/XXXX was the first dispute for not receiving bills. On XX/XX/XXXX the manager requested for all latest to be updated the two 30 day latest and one 60 day late and this was never done on my account. My account has been reporting wrong for over a year with a negative  impact to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: IL
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-03-24
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be updated ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
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 had 4 acts with XXXX XXXX secured credit cards that were paid off after collections filed and I have receipts to prove this. Ive reached out to all 3 major credit reporting agencies and to XXXX XXXX and their collection agency XXXX And no response or one waiting for another using excuses. Ive tried for 3 months. Paid in full.

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 2020-10-19
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I originally had a car loan with Gateway Lending XXXX XXXX XXXX  XXXX which closed down in XX/XX/2020 for their shady practices and sold to Santander. Well I had Santander prior, and they are not much better. I had my XXXX XXXX for 6 years and it was a very bad loan. My original cost for the car was {$23000.00}. I still owe $ XXXX and they have repossessed the vehicle. I did not really believe I owed Santander since Gateway posted a balance of {$0.00} on my account and credit in XX/XX/2020. Since they repossessed my vehicle two weeks ago, I have tried to call them to get it back by payment of the past due and fees and either they hang up, tell me I can get it and then the finale was the last yelling guy saying I could not get it back and demanded $ XXXX in two weeks. They are horrible people like Gateway and I can only imagine what others are going thru especially during these times. I want Santander to stop their harassment and horrible tactics to humiliate and degrade consumers. They ( Santander ) do not understand what us consumers have dealt with Gateway Lending prior. They will arbitrable state you were late and put fees on your account even when you were not ( gateway did this ). Many other consumers have echoed these complaints with them. It was hard to take a stand with them because they would just ruin your credit. I tried to inform Santander of these practices and also alert them of the lost of income which occurred this year. They did not care, they just took the vehicle and based my incorrect history with Gateway as leverage to deny me to get my vehicle back. They should know better with all of the class action lawsuits against them and the company they purchased Gateway. I never had a chance with the horrible loan I received and the horrible people I had to endure to try and get my car back. I needed to pay {$3700.00} by XX/XX/2020 and they will not allow me to get my car back! Instead they want a single mother like myself to go into debt with a vehicle that I will not own because they are the company and we are the little consumer. Shame on you Santander! I will let everyone hear the recordings of how your employees spoke to me during this time, during a pandemic and how you denied me the basic human decency to get my car back with a bad loan and bad companies like yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The account was opened in XX/XX/12 and I was a co signer in a vehicle purchased. When the veh was returned it was promised the overage in mileage would be taken care of by the dealership. It was not and this account is over 7 years old. It should not be reporting on my account as it has been charged off and no communication has been had with this account. 

I would like this removed as it is out of the statue of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: IN
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

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 2023-07-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07
Company: Selene Finance LP
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from my homeowner 's insurance policy stating my insurance was being cancelled due to vacancy. The representative informed me that I was not her first call about the same situation from Selene Finance. I had to verify that I had not vacated the property by sending recent utility bills. I contract Selene Finance and spoke to someone in their insurance department. She was aware of the situation but offered no explanation or course of action going forward. After reinstating the insurance on my home, I then received a letter from Selene stating they were going to buy insurance for me if I did not show proof of insurance, which seemed absurd since they caused the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was 3 days late on a {$32.00} ( possibly {$34.00} ) minimum payment due on my BofA credit card and Bank of America refused to waive my late fee. I explained that the payment was late due to me losing my job, but they wouldnt budge on the {$27.00} late fee ( {$27.00} seems like a high percentage in relation to the $ XXXX that was late too ). I did a Balance transfer to them about a year ago to take advantage of an offer they sent me in the mail. This was the first time Ive been late and just by a few days after dealing with the loss of my job. During my phone call with them, I was sent to an escalations agent ( who introduced himself as a manager,  clearly not btw considering his lack of empathy or care ). I threatened to close my account in hopes the retention specialist may understand my position a little more, but the escalations agent  simply offered to close my account, not considering my hardship in the slightest. 30 minute phone call for nothing. I called XXXX after BofA because I missed that payment for the same reason ( 1st time late with XXXX also ), and XXXX took care of it for me right away. I would close my BofA account if it wouldnt have a negative impact on my credit. BofA just increased my credit line too, Im assuming in hopes that XXXX use them more once my 0 % period is up. Im thinking Im just going to give that business to a company who empathizes and works with its customers ( XXXX ) rather than one who couldn't care less about me losing my job ( sarcasm thanks to BofA ), increasing my credit limit, and not waiving my late fee in an already tough time. You think the {$27.00} fee is worth my future business?

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 2023-03-24
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:
I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following itemsfrom my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: U.S. BANCORP
State: CA
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:
Someone opened a US Bank and XXXX XXXX XXXX credit card in my name around the same time. I've contacted both banks to resolve this issue and even sending my ID as proof as I did not open any accounts. Please check the IP Address from where the accounts where opened. 

I had no access to this cards nor did I have anything mailed to 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 non-monetary relief
Consumer complaint received 2020-10-19
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize see attachment.

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 2018-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/18, Capital One charged me an annual fee for the upcoming year so I requested my credit card to be downgraded on that very day, only moments after being charged the fee. They said that they can not issue a refund because I am not eligible for a waiver and the system does not allow refunds to be issued. I explained to them that Ive been a customer for several years and if the fee is for the upcoming year, then it is not right for me to be charged when I will not be using their services or benefits. In other words, what am I paying for? Capital One refused to refund the money and essentially took my money for nothing in return.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-12
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had XXXX XXXX and when I moved away to texas on XX/XX/2020. I called and spoke to a rep.. to disconnect. Then in XXXX of 2020 I was told they didnt recieve my request. I told them again to disconnect. Then an old neighbor said my electric was still on so again I called them in XX/XX/2020 and the rep assured me that if the power was still on it was not under my account. She said more likely the home owner. Then now I dispute after not having any luck with any of XXXX XXXX customer service reps. And they continue to not even look into it. They made an error and now I'm being held accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Credit Protection Association, L.P.
State: FL
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 debt collection of {$530.00} showing up on my XXXX credit report that isnt mine. Ive never had an account with Credit Protection Association.

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 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  deleted a account from XXXX XXXX but didn't increase 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