BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-19
Company: Scott Fetzer Financial Group Inc.
State: TX
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:
Credit inquiry on XX/XX/2023 on my XXXX account. I do not have any open credit accounts with this company. United Consumer Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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 30days and I haven't received any investigation results..

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 2020-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This complaint is against Capital One Bank. I have been a customer since XXXX. I was approved for a loan from SBA for {$20000.00} dollars that was deposited into my account. This is a legitimate loan, with no issues on my application per the loan company. I have to start paying it back in XX/XX/XXXX. XXXX bank is threatening to closed my account and return the money to SBA saying they are still investigating while threatening to close my account I have other deposits in that account, my unemployment benefits. There is no fraudulent information listed on my application and no fraudulent activity has been performed on my bank account. They are refusing to give me my money. Please forward this complaint. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been sending dispute letters since XXXX last year and they have completely ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone way past the 30 day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX *. Please resolve this manner as soon as possible 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 2018-03-03
Company: Navient Solutions, LLC.
State: FL
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 do not like the default manner in which my over-payments to my student loan serviced by Navient are allocated and instead desire that they apply over-payments to the highest interest rate account. 

Navient allows you to do this but you have to jump through hoops to do so. I would need to send a separate payment with a letter telling them what account to apply the payment to. I pay my loans using my Bank 's online bill pay which does not allow you to send custom letters along with your payment. 

On about XX/XX/XXXX I sent an inquiry to Navient 's customer service asking how I could implement a directive that they credit all over payments to a particular loan. On XX/XX/XXXX they responded that I would have to submit direction with each payment. 

I feel that it is absolutely ridiculous that I have to go to this effort every month of providing a separate payment and two writing a letter just to get them to do something that I intend to do until the account is closed. This is a federal student loan and I feel that this is nothing but taking advantage of people who utilized a federal program and have no choice in who services their loan in order to maximize the amount of interest that they collect. 

This is in addition to a host of other annoyances with their website and how they operate that make it difficult to work with them and nearly impossible to get any help short of sending a message which they will reply to without offering any method of responding to the reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian and XXXX  has a dismissed bankruptcy on my report which they both say was verified thru they 3 party vendor XXXX who they claimed they certified it was accuraste. I would like to exercise my ights to see that certification because i contacted XXXX and the told me its no bankruptcy for me in there data base ... Experian rep and I call experian on a conference call and they confirmed it was not there..on XX/XX/2020 experian removed the bankruptcy then on the XXXX put it back on my report without prior notice which is violation of the FCRA in which they have to notify me with in five days in writing of the reinsertion. I respectfully ask that you investigate they actions and have them follow proper protcol and remove this dismissed bankruptcy from my report

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 2021-06-15
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
A fraudulent loan was opened In my name, on XX/XX/2017, for the amount of {$23000.00}. The account then sent to collections in the amount of {$6300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
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: Information belongs to someone else

Complaint:
I MAILED MY DISPUTES BY CERTIFIED MAIL TO THE CREDIT BUREAUS ON XX/XX/2020 AND I GOT A NOTIFICATION THAT IT WAS RECEIVED ON XX/XX/2020. I CALLED TRANSUNION THIS MORNING AND THEY CLAIM THEY NEVER GOT ANYTHING.

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 2020-09-04
Company: AMERICAN EXPRESS COMPANY
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 information incorrect

Complaint:
American Express is restarting the reporting clock on an account in my name unlawfully. American Express canceled said account in XXXX of XXXX after not receiving a payment since XXXX of XXXX. They charged off this account in XXXX, but they re-reported it as a charge off in XXXX of XXXX and that has restarted the reporting clock with the three credit bureaus. They acknowledge the debt is very old because in the last quarter of XXXX, they began sending letters to my address stating that this account is so old that they can not legally sue me for the account that is in my name. I have not had any contact with them regarding this account in any way shape or form. I do not, nor have I acknowledged this debt belongs to me with them. I have documentation showing that they have not received any payments since XX/XX/XXXX, so therefore that started the clock for the first delinquency because they have never received any form of payment, nor have they had any communication with me since then. The amount that they are still reporting has not changed for years as well, thus also proving that they have not received any payments on this account to lead them to restart the clock as well. I do not acknowledge that this is my debt. I am solely writing this to make a complaint against American Express and to show that they are inaccurately reporting information to the three credit bureaus. I have been denied a housing loan because of this. When they started to report that this account was recently charged off, as opposed to the truth, being that it was charged off in XXXX, it made my credit score drop dramatically. I have disputed this information with the three credit bureaus and they have all stated that American Express has verified this information. I have plenty of documentation showing that they are falsely reporting delinquency and charge off dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have provided supporting documents and request that you investigate the matter promptly.

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 2018-03-03
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
child support showed up on my credit report. This was incorrect in the first place because I was on XXXX from XX/XX/XXXX-XX/XX/XXXX so they were not legally able to even go after me for child support at the time. 
Anyway. Eventually they closed the case as paid because they couldn't go after me in the first place, I was never subject to the debt. 
Not only should this not be on my report in the first place, but now it is really really old and still shows. 
it is on XXXX, Equifax  ( though Equifax says its from XX/XX/XXXX when I wasn't even born yet. ) and XXXX. 
It is just showing under " closed accounts '' but it reflects badly as it shows I wasn't paying and its very clear what it is for which reflects badly on me personally as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Netspend Corporation
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Received aXX/XX/XXXXdebit card in the mail from a random company I did NOT request a card from. I tried to contact the company ( Netspend ) and could not get a person. The auto menu asked me to input my social security number and the card number to activate. I did not do either. Again, I have never heard of this company, have never requested a card or line of credit from them ever. This seems like a scam to me. And I thought sending live cards that werent requested is now illegal. Please investigate this shady company and their questionable practices.

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 2023-02-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX removed off of reports and closed and XX/XX/XXXX XX/XX/XXXX another complaint Several attempts have been made and this account was closed and removes and now it's back on my credit report different name complaints have been filed with cfpb and ftc for The General Company Equifax continue to violate the law have not validate debt and still will not remove this collection debt off my report its continues to be a problem on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Santander Consumer USA Holdings Inc.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I do not recollect me having a loan with Santander. I did try to rectify the situation, I thought I could pay it but it was too much for me to spend for a debt that is not mine. I just want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: ASSOCIATED BANC-CORP
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In 2014, I signed out a stipulated agreement with attorneys for Associated Bank. It was agreed that I pay XXXX per a month. I have done so since 2014. All of a sudden, this summer I started receiving bills that I am past due, that I am not paying my payments. 

I don't understand why I am receiving these bills. I have paid every payment since 2014 of XXXX. They have never sent me any statement showing what my current balance is, and now I am very alarmed why they are sending me these past due notices. 

I also filled out an additional package to them for a settlement. They don't want to give me a loan modification. They don't give me an answer for my settlement and finally, I have a stipulated agreement from their attorneys from 2014!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: EQUIFAX, INC.
State: AL
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:
At this point I feel like I've been getting taken advantage of by the credit bureaus. On XX/XX/XXXX I noticed additional addresses on my credit report so I sent in a letter requesting all inaccurate names and addresses be removed. Now four whole months later the names and addresses are still there. Now fast forward it to XX/XX/XXXX, I sent a letter regarding more inaccurate and unknown things on my credit report but to this day over 60 days later I haven't seen a response. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. They did not do this so I had to send in a complaint to CFPB and it was only after that complaint that I even got a response at all, but they responded with some type of response saying they don't think it was me and they need a copy of my drivers license. This is ridiculous because as I previously stated I sent a letter in XXXX  asking for them to remove all names and addresses that weren't included on my drivers license, so clearly they've had my drivers license ( and I sent a copy of my social security card also ) since XXXX. I demand that these accounts be deleted immediately or I will have to file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach so my information was probably put in the wrong hands. Hopefully it won't take another 120 days that they'll take advantage of me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: WELLS FARGO & COMPANY
State: KY
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:
Wells Fargo opened several accounts in my name, including a credit card I did not request or was sent to me as a debit card. A settlement dispute was resolved over multiple accounts back in 2016. However, the credit card was charged off & I was never sent the bills after I became XXXX and was in a XXXX home. 
I've tried to resolve the issue with their collection firm and attorneys, however, there is nothing they can do since the settlement was not recorded in a court or via their legal team. 
I still have not received any compensation after Wells Fargo opened more than 4 accounts in my name, charging me extra each month on each 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 explanation
Consumer complaint received 2020-05-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I took a look at my credit report I saw a few fraudulent accounts on my report. I have been trying to remove them but I was unable to remove them. Please help me remove the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Square Inc
State: VA
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:
On XX/XX/2020, I sent {$280.00} using the Cash App app to a person to purchase tickets. Almost immediately after, the user blocked me on multiple platforms and I was unable to contact them. Knowing I had been scammed, I attempted to use the " refund '' option on Cashapp. They have not responded to this. I contacted Cash App, and was effectively told to XXXX off. XXXX  XXXX XXXX has told me to contact Cash App and I am unable to find a resolution to my issue. This person is now {$280.00} richer while I'm struggling to find a resolution to my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
At this point I feel like I've been getting taken advantage of by the credit bureaus. On XX/XX/XXXX I noticed additional addresses on my credit report so I sent in a letter requesting all inaccurate names and addresses be removed. Now four whole months later the names and addresses are still there. Now fast forward it to XX/XX/XXXX, I sent a letter regarding more inaccurate and unknown things on my credit report but to this day over 60 days later I haven't seen a response. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. They did not do this so I had to send in a complaint to CFPB and it was only after that complaint that I even got a response at all, but they responded with some type of response saying they don't think it was me and they need a copy of my drivers license. This is ridiculous because as I previously stated I sent a letter in May asking for them to remove all names and addresses that weren't included on my drivers license, so clearly they've had my drivers license ( and I sent a copy of my social security card also ) since May. I demand that these accounts be deleted immediately or I will have to file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach so my information was probably put in the wrong hands. Hopefully it won't take another 120 days that they'll take advantage of me again.

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 2021-11-29
Company: TRANSUNION INTERMEDIATE 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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXE-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry 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 2017-09-21
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
CIT bank had over {$300000.00} for almost 3 months then locked me out and now I am waiting for them to send my money back. No answers, impossible to get a reply when I will be receiving the funds. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Navient Solutions, LLC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I got a notice from my loan services stating that I had been entered into an in school l deferment program till year XXXX  in which Im currently not in school also with added interest which that mean the correct balance is not showing on credit report nor proper status of loan

Company response to consumer: Closed with explanation