BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-09
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I had purchase a truck from this dealership at a certain price that I took out that same day everything happened so fast that I didnt believe it that I had boughted a car by my self I took it in give a down payment if it promised to pay in one month while I made my first payment on the load made my first payment on the loan but one week before the 30day warranty period the truck broke down which I had to pay out of pocket because I could not afford to loose any day of work fix the truck for couple day driving it white no ac for the matter that I had fix up until I need to make my down payment already but second payment on the loan came by since it way on a holiday XX/XX/XXXX one on my derelict deposits was not made until the next business day so second payment fail got the call from the dealership say that there contract with this lender was rejected and we had to apply for another lander which was libel finacial give me a higher interest rate and payment plan with a an additional hidden fee called GAP got approved had a cal from the lander asking me additional questions about the vehicle that the dealer told me to say in other word lie to value more the car and get approved with out my acknowledgement of there intention got approved never seen the original contract from the second lander in the mean while my truck was getting fix driving a loaner car from a the dealership missing afew Daya work getting fired from one job a had out 2 in that time frame and never got Reimburse of anything out of my pocket 6 to 8 pass the lender harassing me that I had not made my full payment that I had trusted the dealer I was going to pay XXXX $ instead of XXXX $ before with the other lender long store short I couldnt negotiate nothing with the lender and told the lander yo just come and repo my truck have to loose a lot from this deal that I felt was wrong as a costumer I feel being a fist time buyer things like this should not happen to no one very upset of this deal never again I ll buy a used vehicle in my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
My credit report shows hard inquiries i have not authorized. Also Auto loans i have not made are shown. I have repeatedly reported inhave been a victim of identity theft. All fraudulent records are dated XX/XX/2020. I have sent letters, made phone calls to all the institutions shown on my credit report that are related to the identity theft issue reported. I submitted a written dispute to TransUnion, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and to the Federal Trade Commission. 

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 explanation
Consumer complaint received 2021-02-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My name is XXXX, I have a wife of 13 years and XXXX school age children, we have XXXX dogs and a XXXX. Im a XXXX XXXX XXXXXXXX XXXX  vet from 3 tours between XXXX and XXXX as ground forces. 
My wife works full time for the XXXX I am a full time ( 60 hr ) XXXX XXXX I draw my full military retirement I dont pay for medical insurance for my family, due to my retirement We have 3 incomes and XXXX kids, but we cant buy a house. 
Why? Because investors and bankers are inflating the market beyond reason. 
In closing Ill ask this. If we cant afford a home, then who can? 
Dont let investors set us back another 10 years like they did in 2007. 
Respectfully XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: BARCLAYS BANK DELAWARE
State: LA
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: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX  and XXXX  are incorrectly reporting me as an Authorized User on Barlclay card ending in account # XXXX. I contacted Barclay and let them know that I did not give permission to be added as an Authorized User and that I need to be removed from this account. I have also contacted the bureaus to fix this issue but they have not fixed it yet. The negative information is harming my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I got a   XXXX   XXXX    (  now Navient ) loan to attend  XXXX  College in   XXXX  . I attended about have the sessions required as the  Professor  was not perfessional and the student assistance they claimed they offered was false & they would do nothing each time I need something. I decided to cut my losses & end the program as they were useless. I want to have my loan for over {$3500.00} forgiven & deleted. The school closed as it made false promises to students deseperate for an education to be come employed. I refuse to pay for something I got no benefit from. I have called   XXXX   XXXX    &  now Navient many times as this loan has put me in debt & the interest keeps accumulating. I can not afford to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XX/XX/2021, XXXX XXXX XXXX sent a message to me saying they were having technical issues with logging into my account. That was fine ; I pay this card balance in full every month. I had just sent a {$550.00} payment on the account on XX/XX/XXXX paying it off. I purchased gas for {$45.00} on the XXXX, and that was the only charge in the billing cycle. 

Today, XX/XX/2021, I received multiple notices from credit monitoring services that they had recorded a severe delinquency in my XXXX account, for {$45.00}. The balance is not due for another two weeks, but I paid it today anyways. XXXX is reporting that the {$45.00} is more than 120 days delinquent. 

I received a credit line increase on a different account today as well, in concurrence with my score drop. I find it highly likely I would have been approved for a higher limit increase had my credit score not been dropped erroneously by 40 points. 

Trying to call the company for assistance results in waiting on hold for hours while a message says they will help you in 30 minutes.

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 2018-03-28
Company: Experian Information Solutions Inc.
State: MN
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 a victim of identity theft. The following credit hard inquiries listed on my XXXX, Experian and XXXX XXXX credit report are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, I never applied for credit with the above creditors. The credit hard inquiries are all fraudulent and unauthorized.

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 2021-02-04
Company: Experian Information Solutions Inc.
State: PA
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:
This account was opened without my consent by my ex. I only found out it was in my name after legally separating. My ex missed a payments and later totaled the vehicle. I was left to settle and pay on the account off and legally go after my ex for the funds paid. I have yet to recoup my funds and on top of that XXXX XXXX does not have the original documents signed in my name nor does it have records of the last payment I made to close the account on XX/XX/20. I have the receipt to prove I paid it yet they have no record on file when I call. Ive talked to various managers and always the same answer. They will not take this account off of my credit report even though I did not open it and they can not produce Proof of Ownership with my signature on it.

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 2021-02-04
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent mail to all three bureaus to dispute some accounts that are inaccurate and erroneous and unknown and yet they still remain on my credit reports. Its been over 60 days and I have yet to receive a response. These companies are unfairly taken advantage of me as a consumer and on top of that I am being injured financially in a very horrible way during Covid. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason for these items to be removed from my credit report. It has been over 60 days so they should be promptly removed. I demand these accounts be deleted immediately or I will file litigation for the stress you are continuing to cause me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: PNC Bank N.A.
State: PR
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:
My credit report shows hard inquiries i have not authorized. Also Auto loans i have not made are shown. I have repeatedly reported inhave been a victim of identity theft. All fraudulent records are dated XX/XX/2020. I have sent letters, made phone calls to all the institutions shown on my credit report that are related to the identity theft issue reported. I submitted a written dispute to XXXX, XXXX XXXX, PNC Bank, XXXX XXXX XXXX, and to the Federal Trade Commission. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. This is over the statute of limitation for this debt to be collected on. This company does not hold a surety bond in the state of Texas as required by the Texas Finance Code 392.

I request the following : Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.

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 2018-02-12
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account regularly reports negative information and reports as if the account when it was closed nearly 4 years ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: CITIBANK, N.A.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received a phone call from XXXX in regards to a debt owed to Citibank. Theystated they are a medication service. I have advised them i am working with a 3rd party on this matter and all of this information went into a judgement back in XX/XX/2014. I have requested supervisors, and never received a call back. Advised agents that I am already working on this and to stop the calls. I was advised that calls will continue because they dont have the documentation on their side. I have asked not to be contacted, and still receiving calls. This matter is being handled through XXXX XXXX  XXXX in XXXX, AL and my bank statements show payments are being made and are on 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 2021-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Their investigation did not fix an error on your report

Complaint:
I used my credit card the first time ever. I received the first statement from Bank of America to make the first payment. Upon receiving that statement I paid the balance in full. I have never used the card since. I received an update on my credit rating which informed me that I had a 30 day late reported on my credit history. This brought my scores down significantly. I called Bank of America to dispute the 30 day late on XX/XX/2020, the gentlemen I spoke with was helpful and stated they would remove the 30 day late from my credit rating. I received a letter in the mail about a week later from Bank of America asking me to call them regarding the inquiry. I called and spoke to an associate named XXXX. XXXX and her XXXX informed me that the late would be removed within XXXX days. I called back again today to check the status of the removal. I have now talked to XXXX and her XXXX XXXX and her XXXX XXXX who is now stating they are not willing to remove the late from my credit rating as I should not have been told it was going to be removed. I asked them to pull the recorded conversation from XXXX, XXXX 2020 and listen to what their associates told me. They refuse to do it and now are telling me there is nothing they can do to help me. XXXX is the last person I spoke with and his XXXX # is XXXX Thank you for your help in this matter.

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 2020-05-15
Company: EQUIFAX, INC.
State: AR
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:
Ive been trying to get insurance on my vehicle for some time now. Every time I get a quote for insurance either I was ineligible or it was too high. I would always ask what the reason was for this and I always get told that it could be my credit. I decided to pull my credit and I am extremely shocked on the outcome of the repor. The things I have listed on this application are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
A few weeks ago I work up to my checking account being negative {$220.00} due to a XXXX charge of {$360.00}. I called immediately once I found out as I was unaware of this charge and I received no notification. Because of this charge I got hit with 3 NSF fees which was credited back to my account. However I already had pending charges on their prior to being notified of this charge and I was charged an additional 4 NSF fees. I've been on the phone for hours trying to get this resolved. I found out it was from an old checking account I had from XXXX. However i never received any notification that this was going to be charged to my account. I found out the notification was sent to an old address. My concern is that you have records of my new checking account which is attached to my new addesss however you sent the notice to my old address why? If I was properly notified I would have made sure there were funds in the account. Also you had access to charge my new checking account yet u couldn't send the notice to my new address? I feel that you just decided to charge me this after having this account open with you since XXXX so you can make money off of the fees. I have no problem paying for that charge but I'm very upset that I had a total of 7 NSF fees because of this and only 3 of them were waived this is ridiculous. I also received a copy of the notice finally and it has a date on the letter of XX/XX/XXXX and in the letter it says my account will be charged on XX/XX/XXXX. How is this notification? I'm requesting that you review the situation and waive the remaining 4 fees please thank you.

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 2021-03-29
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
First and foremost, Discover is in violation of numerous consumer credit laws. I used my credit card as defined by 15 usc 1602 ( l ) to enter into a consumer credit transaction with Discover. Since then, they have been sending me deceptive forms as described in 15 USC 1692j for me to pay on an alleged " debt '' when in fact, I am the original creditor and the consumer. Pursuant to 15 usc 1692c, I have informed them in writing that I wish to no longer pay on this alleged debt. 15 USC1605 ( a ) states that " the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges '', but in contrast, Discover has taken a plethora of comparable cash transactions ( ACH payments ) over a course of time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Not aware of this bankruptcy account as you know reporting things inaccurate on my account is against the FCRA .I need a written response with complete information that shows I gave my written consent to a clerk at the courthouse attached along his or her name the date it happened the time it happened & the name of the person who handle my case I cant believe this happened Im just trying to take care of my girls. 


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 explanation