BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-14
Company: Fidelity National Information Services, Inc. (FNIS)
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: Account status incorrect

Complaint:
A checking account that was supposed to be closed, was not closed. As a result, I was charged fees for account maintenance. The monthly fee took the account into an overdraft status. The account was charged off. 

When I later went to open an account with the same bank, I was advised that I had a delinquent account. The management reversed fees. I agreed to pay half. They agreed to remove the reporting from ChexSystems consumer report. It also should be noted that the account was reported twice on my ChexSystems as well. So not only should the account not have been reported at all, but it should not have been reported twice.

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 2019-12-03
Company: Santander Consumer USA Holdings Inc.
State: IL
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:
I have been getting threatening calls from XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding an auto account that was discharged in a chapter XXXX bankruptcy on XX/XX/XXXX. I was told that they will be garnishing my check and it does not matter that the car was included and discharged in the bankruptcy. The amount I was told that I now owe is $ XXXXdollars. On Tuesday, XX/XX/XXXX I called the original creditors Santander consumer auto finance. I spoke with a manager and was told that the account was not sold and I should not make any payment arrangements with XXXX XXXX XXXX. 

I continue to get several calls a day from XXXX  and I was told my wages will begin being garnished on XX/XX/XXXX. I DO have a copy of my bankruptcy from the court and I have told XXXX  that I could send them a copy and they have refused. I have been hung up on and threatened that if I do not make payment arrangement they will file a civil complaint against me and sue me for the auto loan. 

I was told by XXXX  that I am being pursued by XXXX XXXX but when I called XXXX I was told to call Santander because Santander handles all of XXXX auto loans, which I had already done. On XX/XX/XXXX I called Santander again at XXXX and I was told again that this account is not in litigation. 

On XX/XX/XXXX I also spoke with an agent from XXXX  and was also explained the file is in litigation. They keep calling Help please

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Others frauded my documents 50 states wide and for retailers store 's post data terminals Others frauded scams documents for sinage and building permits business Others frauded my documents as herds of inventory SKU number Others frauded my documents as church groups and pasters and preacher Others frauded my documents as schools and colleges and universities and teaching staff 50 states grocery store products using XXXX XXXX products 50 states dinner menus using XXXX XXXX 50 states semi trucks CDL license and semi truck business permits Frauding scams XXXX and XXXX XXXX and others dictionary companies Fraud scams using singers and bands and actors Frauding scams using attorney and lawyers and judges listings Fraud scams using XXXX XXXX Frauding scams using XXXX XXXX XXXX   permits and vice president Fraud scams using 179 locations of XXXX XXXX reaction and XXXX XXXX Fraud scams using XXXX XXXX   Frauding scams using XXXX XXXX XXXX Frauding scams using XXXX as politican listings Frauding scams using XXXX XXXX in Florida Fraud scams using XXXX XXXX Fraud scams using XXXX as insurance company workers Fraud scams using XXXX XXXX XXXX in Georgia State Frauding scams using XXXX XXXX XXXX XXXX Fraud scams using brand advertising for retailers store 's advertising frauding my documents my family 's serial numbered XXXX XXXX record Fraud scams using XXXX police Fraud scams using XXXX XXXX Fraud scams using building permits using XXXX Fraud scams using racing Frauding scams using my documents Frauding scams using XXXX XXXX   Fraud scams using XXXX XXXX XXXX  Fraud scams using XXXX XXXX in Florida Fraud scams using XXXX products

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 2023-09-30
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit reporting 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 sent notice to COMENITY CAPITAL to OPT OUT of credit reporting as the CFPB published an article that stated, credit reporting is optional. I have a right to privacy and my privacy is my constitutional right as established in Griswold v. Connecticut ( 1965 ). The Supreme Court ruled that the right to privacy is a constitutional right. I informed COMENITY CAPITAL that I want to opt out of the sharing of my personal private account and financial information to third parties XXXX, XXXX, and XXXX. These corporations are not affiliated with COMENITY CAPITAL. Additionally, when I submitted an application for the above mentioned accounts, that application was my security collateral which funded this account. The balance is in a positive amount which indicates a credit that is due to my principals account. Thus, these accounts have been falsely reported as past due. This is defaming my character and causing me and my family tremendous harm. 
( account numbers ending XXXX & XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EdFinancial Services
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I called EdFinancial immediately after hearing about XXXX loan forgiveness. I saw that we were able to request a refund on any payments during the payment pause which started in 2020. I went ahead and asked for a refund, which I was taken aback, as they were giving me the time frame of 150 days ( 5 months ) for the refund to process. Throughout the pandemic, I have paid roughly $ XXXX in payments. 

It seems that EdFinancial is the only student loan provider, after consulting numerous students and alumni on their federal loans, that is providing this absurd time frame. XXXX, XXXX XXXX etc. are only quoting XXXX weeks of turnaround time. Its very concerning to know that unlike other student loan providers, EdFinancial seems to not have the best interest of our hearts by being the only provider that is dragging this on for 5 months. Currently, getting that money back would be life-changing for me and many others. We would really appreciate if someone could investigate EdFinancials process and determine why their process, in comparison to other federal loan providers, are giving students in need, such as me, such a long time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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:
On XXXX XX/XX/2022, I submitted a written dispute to Transunion and XXXX informing them of incorrect information on my credit report that needed to be removed due to fraud and identity theft and I also provided them with the FTC filed identity report and legal paperwork. XXXX removed ALL incorrect disputed information while Transunion failed to remove the XXXX XXXX account. Transunion did remove XXXX XXXX  on XXXX XX/XX/2022 as it was unverified, but then later reinserted in back on my credit report on XXXX XXXX XXXX, 30 days after filed dispute which was pass the timeline required for companies to provide a response. Due to Transunion 's unlawful refusal to comply with the law, I am now having major issues securing financing for my startup business and placing me in a severe hardship with now having to pursue legal representation to fight these fraudulent insertions on my credit report. I am requesting that the CFPB mandate that Transunion credit bureau delete both the XXXX XXXX  account, as it was previously unverified and deleted but later reinserted and also delete the XXXX XXXX account immediately or else file suit based on violation of law.

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 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Several accounts on my credit report are fragluent and should be removed immediately. I have completed several documents to provide support for my claim. I provided the FTC to show that these accounts don't belong to me and then I also completed CFPB that received no response. According to the law to protect consumers, after the investigation the documents are supposed to be provided to the consumer, me. The accounts in question are XXXX XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. First off the results of the investigation were never shared with me. Secondly the production of a wet signature was provided. 

The claims that were not responded to with document are as follows : XXXX & XXXX American thrift & finance XXXX & XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX Attached are documents to support my claim

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 2017-09-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a letter for proof of validation with XXXX XXXX XXXX, XXXX for XXXX The original creditor is XXXX for a debt there saying I owe they sent me a old bill which was n't the correct amount also updated the bill to a recent date of XXXX/XXXX/XXXX this has been on my reports for 4 years now if not more I requested the signed agreement ( contract ) for this debt and did n't receive it they deleted the file from my XXXX and XXXX report around the date of XXXX/XXXX/XXXX but will not delete from my Equifax report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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: Information belongs to someone else

Complaint:
Not my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29
Company: Phoenix Financial Services LLC
State: IA
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:
HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH PHOENIX FINANCIAL SERVICES. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Weissman Attorney at Law
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
COMPLAINT NUMBER XXXX I AM REQUESTING ALLL DOCUMENTATION FROM WEISSMAN LAW LOCATION:XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, Georgia XXXX FROM XXXX XXXX THIS INCLUDES ANY ALL ALL COMMUNICATION REGARDING XXXX XXXX XXXX XXXX, XXXX GA XXXX, XXXX XXXX XXXX XXXX, XXXX GA XXXX AND XXXX XXXX XXXX, XXXX GA XXXX. IN ADDITION, I AM HIGHLY RECOMMENDING ALL DOCUMENTS, LETTERS ETC BE SUBMITTED IN IT'S ENTITRETY MEANING ORIGINAL CONTENT, ORIGINAL DATE AND ORGINAL SIGNATURE. UNDER NO CIRCUMSTANCE SHOULD ANY MODIFICATION TAKE PLACE OR ANY DOCUMENTATION LEFT FOR SUBMISSION. SPOUSE 'S BANKRUPTCY NUMBER XXXX. RETAILIATION BY ANY PARTY IS NOT ENCOURAGED AS WE ARE RECEIVING MESSAGES REGARDING DEATH INDIRECTLY VIA MAIL. 

THIS LAWFIRM STATED THEY HAD NOTHING TO DO WITH XXXX XXXX XXXX XXXX, XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I can not confirm registration for the " trusted id XXXX '' Equifax product which monitors thefts and givers one-million dollar insurance for free for XXXX year. XXXX They will not confirm me on the phone at the number given on the registration website XXXX and refer me to a different number. There is no answer at the second number XXXX. XXXX The link that they sent to me to confirm my registration via e-mail will not allow me to connect to complete the confirmation procedure saying their " cloud coverage does not allow service in my area ''. I am in XXXX but a U.S. citizen with U.S. bank credit cards. **** Simply put, they will not allow me to complete confirming my registration which is necessary but is an extra step in the process that is totally not needed once I have registered and should be eliminated. **** Once I register for protection there should be no additional registration steps needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied to Capitol One XXXX  credit card. 
They pulled my credit and I have good credit and my profile says apply for more credit now. I applied and they delayed processing the application intentionally. They never contacted me or sent anything. All my bills have been paid off and my credit is ready for a card. The average credit they approve for this card is XXXX. They took so long that everyone knew they were doing something they had no business doing. I want to file a comps to receive due process and receive my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have not received the new account sign up bonus of {$500.00} which I was promised would be deposited into my account within 30 days of meeting all qualifications. That 30 days is over and I still have not received the bonus. So request you to give me the bonus. The offer code I used while opening this account is XXXX. 

I contacted customer service twice. First time they said I had to wait 45 days instead of 30 days to get the bonus which is not true because the offer code emailed to be my the bank clearly says 30 days ( email attached ). Second time the customer service said the offer code is not attached to my account which is also not true because the application printout given to me by the banker at the time of opening the account shows the offer code attached ( printout attached ). Basically with Wells Fargo I am getting a different answer from different agents who are clearly clueless.

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 2022-09-13
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My business partner ( XXXX XXXX ) died XXXX XXXX, 2018. We had a business ( XXXX XXXX ) and a bank account at Wells Fargo account number XXXX. When XXXX died there was approximately {$8000.00} left in the bank account. We have been trying to get the funds released so we can close out XXXX XXXX with the IRS. This is our second complaint because the last complaint yielded the same results. Wells Fargo claims the account has been closed and the funds sent to the State of Texas. According to the State of Texas unclaimed property, the money from Wells Fargo is not there. We have been trying to get these funds released for almost 4 years and we keep getting the same run-around from Wells Fargo 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 2023-11-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-23
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-07-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had been paying this company for more than a year and they haven't reported mi payments to the credit bureau I keep asking them and asking them to do it and they keep saying they will do it tomorrow next week two more weeks or I will take 60 days more this people is not complying with their obligation I need your help this people had keeping me like this for more than a year and I haven't been Abel to get a proper answer im looking to refinance mi mortgage for a better rate and look like they don't want to leave mi loan go

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Diversified Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Original Debtor was medical, with Dr. XXXX of XXXX XXXX. Two different collection agencies are listing the debt on my report, resulting in a double posting for the same debt. All XXXX XXXX debts were forgiven me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Eastern Account Systems of Connecticut, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, I noticed on my credit report a collections being reported in the amount of {$1800.00}. I began the disputing process, and after waiting months for a resolution, on XX/XX/2022 I requested a debt validation letter from the collection company known as Eastern Account Systems. After waiting over 30 days, I called the aforementioned collection company to demand that the debt be removed. To which I was informed that a debt validation letter had already been sent to a previous address. I believe this is a blatant lie, as my address had been updated over a month prior to this company even receiving the debt with both the USPS and NYS DMV. In addition the USPS had instructions to forward any mail received to my current address for an additional 90 days. I believe this a a malicious violation of my rights guaranteed by the Fair Credit Reporting Act, and demand that not only the debt be removed from my credit report, but also I am compensated for my time and distress in regards to this matter

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation