BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: IN
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports.This creditor has reported a late payment XX/XX/2020 to my report. Which is incorrect and I am asking this to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Santander Consumer USA Holdings Inc.
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: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Collection Management Company
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX continues to call my home number. We receive so many scam, spam and fraud calls that we do not answer unless we know who it is or what it is about. This company leaves voice mail messages that they are calling about an attempt to collect a debt. Many people in this household listen to those messages which I'm pretty sure it's illegal for them to leave such messages that anyone in the household could screen. I personally told them that they are leaving messages that anyone in the household can hear and that no one knows about any debt that they are trying to collect and suggested they send a letter. They have not done so. We do not know who they are trying to contact or for what debt. 

After receiving another call today I called them again to tell them the same thing but I was continually interrupted by the person on the other end. So the person was told they were going to be reported. Couldn't say anything else because the person on the other end continuously interrupted. To our knowledge no correspondence has been received from this company. Their number has been blocked before. It appears they change numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Cognition Financial Corporation
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have private student loan with XXXX XXXX XXXX XXXX. As of last XX/XX/XXXX it was with XXXX a collection agency. I was paying on it every month. I Called XXXX to continue my scheduled payments and they said XXXX had taken it back. I have not heard from XXXX. I have called XXXX they couldn't find my account, they sent me to XXXX XXXX XXXX, they couldn't find my account. Next they sent me Recovery Specialist Cognition Lending. This company could not find my account.So inXX/XX/XXXX I received 2 tax forms, a XXXX  with the Interest on my loan and a XXXX, Cancellation of Dept. Well there is still a balance of XXXX  on the loan. This is not a good thing. I am still responsible for this dept.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2017-12-01
Company: WELLS FARGO & COMPANY
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Filed an original case through CFPB on XX/XX/XXXX against Wells Fargo Dealer Services ( WFDS ) due to non-compliance with a Small Claims lawsuit I was awarded as the Plaintiff versus WFDS ( Defendant ) to remove unfounded and unsubstantiated records with each credit reporting agency regarding alleged missed payments for a XX/XX/XXXX auto loan. The company did not respond to the CFPB complaint within 30 days, according to the CFPB. Therefore, the CFPB resent the complaint and notice that it had not heard a response, violating consumer protection rules. I then received a call on XX/XX/XXXX from WFDS that "  the case was still open. We wanted to contact you to let you know we 're working to resolve this case regarding the small claims legal action you were awarded against Wells Fargo Dealer Services and the case you reported to the CFPB. We will be in contact with you every 3 to 4 days for transparency purposes, and to just keep you in the loop on our processing your complaints and legal action. Please feel free to contact us during business hours with any questions. '' I never heard back from WFDS after this call. I then contacted WFDS on XX/XX/XXXX. I was transferred to the Legal Department and spoke directly with an individual who stated that he was now the Legal Analyst for both of my cases, and that he is working on quickly getting the cases resolved and settled. " I will be in regular contact with you to assure you of your legal action against WFDS awarded by the court in your state, and get this done quickly and these cases resolved and closed. Call me any time. Let 's keep in contact. '' I never heard back from him again. I left a voice message on XX/XX/XXXX for the the Legal Analyst. Voice message stated he 'll return on XX/XX/XXXX. I left a voice message for his supervisor as his message states to do on the same day. I never received a call back from her either. I then attempted both contact numbers on XX/XX/XXXX and received the same old voice message and the supervisor 's contact suspiciously deletes. It is my firm belief that WFDS is intransigent, avoiding, and stalling ever since the court ordered WFDS to award my settlement and remove the false records of late payments from each credit reporting agency.

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 2017-12-01
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Citi Bank through Bestbuy have charged me a total of {$41.00} in four different charges on XX/XX/XXXX {$2.00}, XX/XX/XXXX {$13.00}, XX/XX/XXXX {$12.00}, and XX/XX/XXXX {$13.00} for debt protection. 

They previously were required to refund me over {$150.00} for these same charges in XX/XX/XXXX when the CFPB required they reimburse {$700.00} XXXX dollars and pay a fine of {$70.00} XXXX. 

Citi Bank continues to add these unwanted and non-requested services to accounts. 

I spoke with them today and they claim i signed up for this service in XX/XX/XXXX and claim to be sending me a signed form. 

They also stated they would cancel the service and refund my money.

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 2020-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 made a purchase from XXXX through a XXXX  seller XXXX-XXXX. The purchase was made on my capital one credit card on XX/XX/2020 for the amount of {$2800.00}. The order is 8000 pieces of face mask and only 3200 pieces was sent to me. The seller sent a portion of the purchase and the rest was never sent. I ONLY got 3200 pieces .Additionally the merchandise was in such poor quality it was not as shown on the website. Not usable merchandise. I opened a case and talked to capital one that hope they can help me get my credit back on XXXX20.The case number is XXXX. Capital one told me the reason why I can't get my credit back is I didn't return the items. But I explained to them because the seller didn't send to me a return label and a return address. In the end Capital one asked me to contact the merchant and work directly with them. 
The merchant didn't provide me a return address. What should I do now?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: WELLS FARGO & COMPANY
State: CA
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 have a XXXX dollar balance on one of my two WELLS FARGO Visa cards. This card is closed. I cant get out from under this balance. I have been paying on this card for two years. I get at least XXXX a month in fees. I want to pay this debt but seems IMPOSSIBLE. Also I can no longer view my account including payments made, interest charged etc. I am told I can no longer access this account? The bank will not work w me in any way, even though I have been a customer for 20 plus years and have always paid my debts.

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 2018-02-14
Company: EQUIFAX, 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 am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX/XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX-ny Inquiry from XX/XX/XXXX + Telephone Companies XXXX/XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX + Complete Dept. Stores XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + Credit Unions XXXX/XXXX Inquiry from XX/XX/XXXX - Specialty - Shoe, Hat, Etc. 
XXXX Inquiry from XX/XX/XXXX + Home Furnishings XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Misc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Beyond the last few months I had a perfect payment history and take paying my bills seriously. I recently lost my job and was going through severe financial hardship even losing a place to live so I have not had the money to pay my card with Capital One. I spoke with multiple representitives pleading for any other options or things they could do to not put negative remarks on my credit or work with me and was told they could not do anything whatsoever about late payments. This has resulted in my credit dropping over 50 points and has destroyed my ability to get any type of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
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: Investigation took more than 30 days

Complaint:
I have reviewed a copy of my credit report and I show company XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Dear Consumer Finance Debt 1. My complaint is with Citibank consumer loan department regarding my XXXX Loan Forgiveness application not being available online to fill out and submit to Citibank for loan forgiveness as promised in a timely manner. 
2. I have logged on to my business acct numerous times, submitted over 40 emails to the XXXX  Forgiveness Portal supplied by Citibank but to no avail. Only robotic responses and no personal help at all to submit my online Forgiveness application form called XXXX. 
3. I have been unable to successfully submit my loan forgiveness application to Citibank for almost 3 months now and noticed that many others are complaining about this issue. I have offered to print out my application and deliver it by hand to a bank location to forward on my behalf. Citibank has not responded. 

My SBA PPP Loan Number XXXX My Lender XXXX Loan # XXXX Amount {$10000.00} Date of disbursement XX/XX/2020 2020

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 2019-04-09
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019 I transferred my savings account into a money market account paying 1.88 % the account has about {$70000.00} in it. I did not get interest for XX/XX/2019 nor XX/XX/2019 I went back to a local branch of PNC on the XXXX of XXXX and spoke with a customer rep whom stated she would submit the required paperwork to get the interest owed me. as of today XX/XX/2019 i have not gotten the interest my money market account number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-17
Company: DISCOVER BANK
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:
I apply for a Discover personal loan And they denied me base on my credit report To high balance When all of my students loans are discharged plus some of the negative reporting accounts are pay off and they are to to old to be on my credit report I will like to be considered for a personal loan from discover bank Please remove all old account and update my report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: DISCOVER BANK
State: MD
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:
Discover Card XX/XX/XXXX & XX/XX/XXXX When attempting to make a greater than minimum payment on my account, Discover stated that if I paid greater than the minimum payment that my ENTIRE BALANCE would become due. 
I contacted Discover and have their reply that " We are not seeing this error. '' I have screen shots that prove this. I had previously contacted them ( prior to XX/XX/XXXX )  and this has not yet been resolved. 
I again today attempted to make a payment and received the same notification. 
This alarms me that they will ONLY accept a minimum payment and not allow me to pay off my account faster. 
Additionally, if a customer missed the statement that their entire balance is due they could face undue financial distress should Discover automatically withdraw the 'Balance Due '.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: KEYCORP
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven`t received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX-I contacted Capital One bank regarding fraudulent charges from my checking account. I live in Maryland and someone had stolen my credit card number and had created a new card in California. They helped themselves to my checking account over the course of three years totaling over {$24000.00} in fraudulent charges. These purchases were made at the same 3-4 gas station three times a week in XXXX, CA, XXXX, CA, XXXX CA, and XXXX, CA. The amounts were ranging from $ XXXX {$74.00} per transaction. I contacted Capital One and disputed the charges.The agent XXXX, was able to pull my account and informed me that someone had created a new card with a different number that was linked to my account. Because there were so many transactions they referred me to their fraud department. I submitted 10 different claims with them totaling 440 transactions from my account. 

XX/XX/XXXX, XXXX I received 10 different letters from Capital one denying my claims stating " We finished looking into your claim and didn't find that any error had happened. '' I called Capital One back and requested to speak with the investigator. He then proceeded to tell me that back in XX/XX/XXXX I was issued a temporary card, and that the temporary card was what was used to make the fraudulent charges. In his explanation I was to be held responsible for the charges because the temporary card was issued to me. I explained to him that I live in Maryland and have not traveled to California, nor do I have any family members/friends that are in California. These charges were not authorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have reviewed a copy of my credit report and I show company XXXX  ( Original Creditor : XXXX XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-09-10
Company: EQUIFAX, INC.
State: NJ
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: Investigation took more than 30 days

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 with a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number:XXXX Reason : I don't recognize this account

Company response to consumer: Closed with explanation