BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: LA
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:
XXXX, Equifax and XXXX have violated my right under FCRA and CARES Act - Dept of Education COVID-19 Emergency Relief and Federal Student Aid program. I am not late on any student loan because the relief is from XX/XX/XXXX through XX/XX/XXXX. If the 3 credit bureaus would have conducted proper investigation or even XXXX they would have know of these reliefs under the CARES Act. Please direct them to remove from all my credit reports as they are inaccurate, has errors and they did not verified. This has caused me XXXX and I can't obtain additional financial credit. Additional these confusing information below are on my reports and doesn't even make sense. Please direct the bureaus to explain so a simple person can understand. -- -- - DISPUTED ACCOUNTs 1. XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/XXXX 1 late payment Account Info Hover over labels for more details Account number XXXX 2. XXXX XXXX XXXX {$6500.00} Balance updated XX/XX/XXXX 1 late payment Account Info Hover over labels for more details Account numberXXXX 3. XXXX XXXX XXXX {$4600.00} Balance updated XX/XX/XXXX 1 late payment Account numberXXXX 4. XXXX XXXX XXXX {$4500.00} Balance updated XX/XX/XXXX 1 late payment Account number XXXX 5. XXXX XXXX XXXX {$6600.00} Balance updated XX/XX/XXXX 1 late payment Account Info Hover over labels for more details Account numberXXXX 6. XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/XXXX 1 late payment Account Info Hover over labels for more details Account numberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Asset Management Outsourcing, 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: Information belongs to someone else

Complaint:
I asked for verification of the information that XXXX XXXX is reporting to the 3 credit bureaus. The only thing I was told was that it will not be deleted. They never verified my information or showed me any proof of this account. I have no idea what this account is for. I see that the balance owed is XXXX dated XXXX XXXX 2011. However I have yet to receive a copy of an Agreement that I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Had issues with Santander Consumer USA last summer. We finally reached a deal and refinanced my loan. And I have made 7 consecutive payments on time or earlier than the expected due date. I feel like Santander did me wrong before I reached out to their Corporate Team and that is where a new loan restructure had taken place.

I feel that I have proven myself that a little hiccup shouldn't put a customer/consumer relationship on the line. So I have a proposal for Santander

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX contacted my employers and family members about a payday loan from XXXX XXXX XXXX   from 2008 that he said was connected to an XXXX XXXX XXXX account. He said not paying the debt would result in damaging my credit that he knows Im working on and that I will have a judgment filed against me in court for {$500.00}. 

I am not only not aware of any debt but I havent had an XXXX account for 15 years. I also expressed my concern that he would call about a debt from 10 years ago. When I told XXXX XXXX I was concerned about fraudulent activity he condescended to me and said he would go to the police department with me. I asked him for XXXX XXXX XXXX information and he said he would have to email it to me. I told him this whole situation has me very concerned about providing my personal information so he declined to give me XXXX XXXX XXXX information. 

He also harassed my elderly father who has serious health isssues and XXXX XXXX told my father that I owed XXXX XXXX XXXX {$500.00} and that he would sue me if he didnt get in touch with me which caused my father to call me while I was at work because he was so upset by his conversation with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: WELLS FARGO & COMPANY
State: FL
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:
WELLS FARGO-XXXX viewed my XXXX credit report on XX/XX/2017 and XX/XX/2017 without my consent or knowledge. 
XXXX XXXX XXXX via XXXX viewed my credit report on XX/XX/2017 without my consent or knowledge. I have contacted them directly and XXXX disputing these inquiries and they never take any action to investigate or remove these inquiries. Therefore I am asking for them to investigate these inquiries to provide me with documentations bearing my signature that I have authorized or at least known about them viewing my consumer report otherwise, I am asking that they remove these inquiries from my XXXX 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 2018-01-19
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I previously paid off this collection for a XXXX bill on XX/XX/XXXX/17. After requesting my credit report and seeing it was still posted I called and spoke with representative XXXX XXXX and requested the collections to remove the delinquency from my credit report however he told me the company was unable to complete a deletion. I confirmed that although the collection was paid in full that it could not be removed and the representative told me they are not able to remove the delinquency. I do not believe this is true of a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
1.I have never had STUDENT LOANS, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) Any STUDENT LOANS, the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
Greetings & Salutations, Have a issue with bank of America credit card. The account was sent to collections & I sent out a debt validation letter on XX/XX/2014 & received a response on XX/XX/2014 from XXXX XXXX XXXX XXXX XXXX. 

Your recent communication regarding the above debat was received. The account has been closed in our office, & we are no longer servicing this account. Due to being unable to validate the debt. 

Bank of America won't take the {$6200.00} off of my credit report. I reported this to the credit reporting agency on XXXX, XXXX, & etc .... 

I called Bank of America for the account & they refuse to take off the debt on my credit report even though they are unable to verify the debt & no contract was signed for the debt & is a unsecured debt. The credit reporting agency takes the creditors word for it, due to being unable to ask for evidence from the banks. 

As a result, the statue of limitations is 6 years in Washington state & have to come off my report. Having the same issue with XXXX card regarding the the same result mentioned above. 

Sincerely, UCC 1-308 Without Prejudice XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am trying to open a savings account with XXXX XXXX XXXX and they are forcing me to give them my income information before I can open an account. I do not disclose my annual income with anyone and I can not find a law on the books that say they are required to gather this from their customers. What I do see is they want this information to target me for the sale of products and I do not want that. I have never hear of this in the past with any financial institution I do business with. Why do they ened annual income other than target sales?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/26 I disputed A inaccuracy on my credit report which is a bankruptcy. Transunion and XXXX  said that the bankruptcy came back verified.They could not verify the bankruptcies with this creditor because the creditor in this case is a Bankruptcy Court who informed me over the phone they do not verify bankruptcies with anyone. It is a violation of my rights. The letter I got from both XXXX  and Transunion allegedly said they verified this was my account with XXXX XXXX which is a third party vendor and against the FCRA. XXXX  wasnt able to verify that the bankruptcy was mine and have deleted the 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 2020-02-07
Company: Advanced Resolution Services Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested a credit report from ARS ( Advanced Resolution Services ) on XX/XX/2019. 

They replied quickly by sending me a letter in which they request hardcopies of confidential documents like W-2 and paystub. 

It should be hassle-free to receive a credit report, especially without disclosing additional confidential information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a copy of my credit file from Transunion # XXXX. This is the latest of numerous reports that I have requested over the last year to correct inaccuracies on my credit file. 
XXXX XXXX # XXXX has been inaccurately reported on my credit for over a year. Transunion as changed the open date which I disputed, the date reported open on XX/XX/XXXX now reports XX/XX/XXXX. The close date that I disputed originally reported XX/XX/XXXX now XX/XX/XXXX, and originally reported this account was closed in XX/XX/XXXX as result of a filed chapter XXXX bankruptcy and now reports it was discharged in chapter XXXX in XXXX. All this information is inaccurate as were the previous information. I also disputed the high balance on the account with no change occurring during the last year and it was not mentioned in any of the results. 
XXXX # XXXX has been inaccurately reported on my credit file as well for over the last year. I disputed the open date of XX/XX/XXXX asking for a record of payments which I never received, I disputed the closed date as well again referencing a payment history proof to verify this date without success, their printout of their report shows no payment history. I ask for verification of the balance without success and lastly again I ask for verification of the accuracy of the chapter XXXX bankruptcy associated with this account since it originally reported chapter XXXX with the same dates. 
I have requested a copy of the results of the investigation including the process and contact of the creditor representatives spoken with and address and phone of creditor as well that was used during the investigation process which I have never received in the year of trying to get my credit file corrected. 
These two account remain on my account with multiple changes to the records and still remain inaccurate. I question the investigation process which I requested copies of which I have not received. 
Mostly recently I was sent a letter requesting additional information to verify my identity which I sent originally and have every time I previous have done so by certified 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 2021-12-07
Company: American Financial Network Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX applied for a mortgage in XX/XX/XXXX with American Financial Network. XXXX XXXX a entrepreneur had to amend his tax return after it was discovered that the previous tax preparer took more unwanted deductions that he desired. XXXX XXXX was instructed to amend the returns by XXXX. XXXX waited months on end for the IRS to receive the documents and initiate the process of amending the returns. In XX/XX/XXXX XXXX received his pre-approval letter and starting the process of searching for a home with his realtor. 
After months of searching with his pre-approval in tow he secured a contract on a property. XXXX found a property that was half of the pre approved amount. XXXX went through the entire process and did and paid everything that he was instructed to do by the mortgage lender XXXX. Inspections, appraisals, earnest money, which alone was nearing 8k or more. 
XXXX XXXX only went through the process because lender gave the pre-approval. Then the amended tax return was received by the IRS but not processed and the transaction stalled. XXXX was told by XXXX that if he could get something showing the that the IRS had received the return we could move forward. The IRS could not per their internal rules and regs send anything in writing but we obtained and audio with the IRS agents id number, name and they stated that XXXX XXXX XXXX XXXX tax returns were received but had not been processed due to the global pandemic. Once the condition was satisfied they still didn't move forward but came back with another condition. Now we were told that this file went up to the highest underwriters within the company and they were they ones who said this condition would be satisfied with evidence of the return being received. Nothing, no traction. Then guess the tax return gets processed and that was the one thing that we had been waiting on and when that happens still no traction. The mental anguish, and financial burden this puts on a person is very taxing. Most of all XXXX XXXX was trying to provide a home for his XXXX minor children but since he was not able to receive the financing he wants to be reimbursed the money that was tied to this property based on the pre-approval and underwriting process which he feels he met every condition and leaped over every hurdle. This is not a practice that a mortgage lender should engage in because it may look like a individual is being singled because he met every requirement that was asked of him,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have been investing in cryptocurriencies using XXXX for a while now. I file taxes and do everything legally in the matter. Just last week, my bank - Capital One - without informing it's customers decided that it would no longer allow me to spend my money as I wished to by blocking all funds transferred into XXXX fro capital one accounts. Even though the USD is being put into an FDIC backed and US Treasury approved bank in the US which XXXX uses.The disgusting thing is that they will allow me to move funds from XXXX into their bank, but refuse to move money out of their bank into XXXX (XXXX means the US bank that XXXX is using). This strong arming tactic in controlling the way I legally spend my funds is beyond absurd and would not have been expected in this great nation. I can purchase XXXX and XXXX which slowly XXXX a person, or gamble it away at a casino, but I cannot invest it in a state and federally regulated manner into an asset that is clearly approved and taxed? I hope the CFPB will take note of this and correct these illegitimate actions of Capital One. The money is my hard earned money that should be allowed to be spent however I would like, provided it is legal, without a bank preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: SN SERVICING CORPORATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
The servicer does not send me a monthly bill for my HELOC without issue. I do not have online access either even though it has been requested. Since the amount fluctuates, its important that I receive a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
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've been trying to resolve this acct since XX/XX/2018 with no resolution from XXXX and Transunion. I have sent SEVERAL account verification requests and this acct with XXXX XXXX  XXXX has not been verified by Transunion XXXX XXXX. I also sent a validation request directly to XXXX  and they couldn't verify the requested information. I have attached letters sent to credit bureaus and XXXX Also there's attached the answer from XXXX with the validation request. 

I need your help to resolve this matter. Thanks for your prompt response and cooperation with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in 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 non-monetary relief