BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I have two Capitol One credit cards. During the mandatory shutdown of my state, I took advantage of deferring payments from several companies with no problems. 
One of my cards from Capitol One I had no issues with and resumed payments as instructed. I did this also with the other one based on the information the representative on the phone gave me. Capitol One reported a late payment during this deferment they offered. I have an exceptional on time payment history with this company. This affected my credit. I sent copies of my statements as well as my credit report to the address they instructed me to and have had no response. 
They are taking advantage during a crisis and it's unacceptable. 
I would like them to remove the late payment reporting on all three credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had an issue with Santander Consumer XXXX accepting my vehicle payment via ACH as to not have to incur additional fees. 

On my first payment I utilized XXXX ( for which i too complaint to CFPB as the did not pay the companies as I had asked them too ) I gave them the routing number and checking account number yet for an unknown reason they XXXX did not pay Santander Consumer as I had requested them too there by making my very first car payment late but not only that they also made me incur additional fees all which i paid to Santander, in fact. When I found out that they payment was not made I immediately made payment in full for the entire amount to Santander Consumer that was over {$900.00}. 

Well due to the fact that XXXX failed to do what I had asked them to do with my moneys. I decided to close my account and referred them to the appropriate agencies that over see banking, as this company made me incur fees etc not just with Santander but XXXX XXXX and others. Very much negatively affecting my credit etc. 
Nonetheless I acquired a new bank account with XXXX XXXX, however Santander disabled the ability for me to make a payment via ACH with my new account. This is wrong as they now want me to make a payment to my loan via a service that makes me incur additional service fees to make my monthly payment. 

This company is all ready known for their egregious unethical and immoral behaviour when it comes to servicing consumers. They have been subject to numerous lawsuits and complaints by Attorney Generals from 34 states including my CALIFORNIA attorney general. They failed. I have chat logs where I asked the customer service agent regarding this and she was unable to provide me with a solution or a reason why they have refused to allow me to make payment via my bank account as they so blatantly advertise to all customers including my self still. 

They denied my ability to make a payment that doesn't incur a fee. In Fact just this month I was trying to pay through their website even though I would have to pay an extra fee just to pay my loan but they still wouldn't allow me to.. for some reason they blocked me from that ability as well, i had no other choice but to make a payment via the phone and through my card visa their by incurring even more charges than I would have had I been able to pay through the website it self. I called them and the provided me again with NO help or solution. Ive had to pay extra on top of extra to just pay my loan.. I want justice and fairness, I want to be able to pay my loan like everyone else and I don't want to have to pay even more fees. They all ready have charged me an extremely high APR .. This company is abusive and should not be allowed to be selective, I opened my new checking account just so i can make payment of my car but Santander Consumer wont let me pay my car loan with out extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Credit Plus Inc
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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized credit inquiries on XX/XX/2022 from XXXX XXXX and on XX/XX/2022 from Credit Plus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: Radius Global Solutions LLC
State: NC
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:
On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX regarding a charged off credit card account that I had with them. I asked them to verify the debt and stated that upon verification I would be happy to settle the account if in fact the status and amount owed were correct. They never verified the account. Instead I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX offering a settlement of the account for {$270.00} of the supposed {$410.00} owed. At the time I did not take the offer because XXXX XXXX never verified the accounts validity. On XX/XX/XXXX I received a phone call at my parents house ( still not sure how they got their number as I never provided it but am a XXXX ) stating that they wanted payment of {$330.00} to resolve the account right then. I asked if I paid this amount would they delete the account from my credit report and they stated no but that it would update as settled to the credit bureaus. I took them up on the offer because I wanted to be done with this company and my wife and I are trying to improve credit scores to build a house. Upon checking my credit report in XX/XX/XXXX they did update the information however it still shows as charged off and reflects a balance still of {$83.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
ON XX/XX/2020 WITHOUT MY AUTHORIZATION OR A PERMISSIBLE PURPOSE UNDER THE FCRA XXXX PUBLISHED INFORMATION ON MY CONSUMER REPORT AND IS IN VIOLATION OF THE 15 USC 1681B AS MY ATTACHED LETTER WILL SHOW THE INQUIRY ON MY CONSUMER REPORT AND I DO NOT HAVE AN ACTIVE ACCOUNT WITH XXXX. I HAVE ALSO MAILED OUT THIS EXACT LETTER TO YOUR OFFICES BY USPS CERTIFIED MAIL TRACKING NUMBER 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 2020-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2020 - Bank of America sent a letter saying they want to verify my income and other documents, most likely because I have an XXXX name, and for my local area, their system flags accounts by XXXX  with an algorithm that detects based off the last name ending in 'yan ' or 'ian '. I am employed full-time with a salary, and the income I reported matches my provided documentation. Any income I had provided to Bank of America in addition to my employment income would be part of the total household income, such as self-employment, funds provided by family members for bills, or gifts. I have provided each piece of documentation to the return envelope they requested, which is now sent back to them in the mail.

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 2019-08-15
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: Account status incorrect

Complaint:
My complaint is for my XXXX XXXX  XXXX XXXX; account number XXXX. This company has anonymously reported my account late 3 times, one time in XXXX XXXX; again in XXXX XXXX; and another time in XXXX  XXXX. Each of these times have been incorrect as I have stayed current on this credit card and have paid on time each month since opening the card. This late payment has prevented me from qualifying for a conventional home loan because it is reporting inaccurate information. I would like for this information to be corrected to report that these payments were 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 2021-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On the XXXX of XXXX I filed a claim in relation to this security breach that may have involved my information being compromised. I spoke to Bank of America related to the issue and filed a claim on the said date. I wanted to be positive before going through with the claim so I cancelled the claim on the XXXX of XXXX. I made contact with Visa and after getting inconclusive information from Visa I then reached out to the Bank of America to refuel the claim. I was told a temporary credit would be applied to the account within 7-10 business days and it has been over that allots amount of time. I called yesterday on the XXXX of XXXX and a supervisor told me that she was going to escalate the claim to receive a temporary credit on the claim and I never received the credit. The call was recorded and I am requested that the agency look into the matter so that I can recover the credit promised 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 explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: NJ
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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2020-12-09
Company: OneMain Finance Corporation
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are two hard inquiries on my credit report from the same company that I did not authorize. The company is Onemain. The date of the inquiries are listed as : XX/XX/2019 and XX/XX/2019. I have NEVER done business with this company, nor have I authorized any type of credit check. I've contacted both Onemain and XXXX  directly, to no avail. Neither of these agencies can show proof that I have ever done business with Onemain, yet for the last year has listed the inquiries on my credit file. XXXX  has the audacity to put the burden of proof on me by requesting that I investigate my own claim, in an effort to prove " fraud '' ( get a police report, have Onemain submit a " removal request '', etc. ). This is ridiculous! Shouldn't XXXX  be the ones conducting the investigation and having Onemain provide the burden of proof? This is a blatant violation of my rights under the Fair Credit Reporting Act. Hard inquiries have an adverse affect on your credit and score ... this erroneous reporting has had a severe negative impact on me and I'd like the items removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have consistently made rebuttals and claims within the past few weeks with chime. I had money fraudulently taken from my account. I live in New Jersey, was at work and received multiple fraudulent charges totalling of $ XXXX dollars. Each charge was {$24.00}. Not only that, afterwards there was another charge of $ XXXX that luckily got denied because the funds weren't in the account at that point. I made a claim, and for weeks I've been tossed around like the issue doesn't matter. I keep getting things back saying they think " no error has occured '' ... how would it be possible for me to made transactions in XXXX XXXX XXXX when I was working in New Jersey and didn't even have my phone. I submitted a rebuttal, submitted proof of my work schedule, location, as well as the locations of the charges. 

Not only that, I got a new different card in the middle of that, and the fraudulent charges happened again. This time for {$10.00} and {$25.00} from XXXX XXXX. I was asleep at this time. After that, another charge of over $ XXXX tried to come out at an XXXX jewelry place. I spoke about this and submitted a claim again, and again, same result. It was denied and asked to submit a rebuttal. This bank is either scamming people in these scenarios even when they get proof. This may even most likely be happening to many other customers. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not approve any of these credit inquiries.

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 2023-06-07
Company: Experian Information Solutions Inc.
State: MD
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:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX Account # 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 2018-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently pulled my credit report and I noticed fraudulent accounts that were open undermy name I have never applied for these accounts. I have filed for identity theft report with ftc for these accounts.

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 2019-08-20
Company: WELLS FARGO & COMPANY
State: AK
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo, like all mortgage servicers, does the annual review of the escrow account. Unlike the other 2 servicers in the past, they're the only company that will not allow a lump some payment to increase the escrow to the "minimum required reserve amount" which ofcourse is greatly in excess of what is reasonable or necessary (nearly twice the amount of my annual taxes and insurance). The first year it occurred after my servicing was sold to wells, I made the lump some payment and contacted their service center as was able to get them to leave my fixed payment at the amount it has always been. When I pressed for the reason they made it so hard to maintain the same payment amount if escrow is maintained by the homeowner I was told it results in undue costs to the organization. Since the escrow review has to be done, the only cost it being able to suck up more of the payment away from principle. This was XX/XX/2018XX/XX/XXXX I recieved a letter telling me Wells Fargo will no longer allow me to pay the escrow shortage.I received the notification today that my payments are being raise by XXXX annually, in spite of the fact that my balance has been sufficient and maintained and there has been no increase in taxes or insurance at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: WELLS FARGO & COMPANY
State: TX
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:
My daughter passed away and with funeral expenses I fell behind. I called to bank to make payment arrangements and was told no options it will be repossessed pay off loan entirely or make 4 payments of 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 2022-05-03
Company: EQUIFAX, INC.
State: MD
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never done business with XXXX XXXX and I have mailed in disputes to the company twice, both the company and Credit Bureaus never provided me with a signed contract with my signature. A collection bill is a not a validation and I have the right to provided with proof and with no proper proof I need this removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Rocket Mortgage, LLC
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied thru Quicken Loans/ Rocket Mortgage to refinance my conventional loan with a VA Home Loan . Rocket Mortgage said the VA would not let me use my SSD as income because I have a Designated Payee. My VA XXXX does not have a Designated Payee, it is directly deposited into my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacted XXXX XXXX on XXXX XXXX XXXX about my credit card not being reported to Transunion and XXXX. They open a investigation. I got a letter XX/XX/XXXX saying my information being reported was inaccurate and that it was be fixed in 10 business days. I called XXXX 's in XX/XX/XXXX and they say they were reporting to all 3 bureaus and to call the credit bureaus. I called the bureaus and they said they have no information being reported and XXXX needs to call them. I called XXXX XX/XX/XXXX and talked to a gentleman that called the 2 bureaus Transunion and XXXX. They told him they were receiving the information but they took the account off in XXXX because of fraud and they refuse to put the account back on my report. This isn't fair to me. I can't buy a house since they won't report. I show no history of reporting accounts.

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