BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-22
Company: EQUIFAX, INC.
State: AR
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 frustrated in regards to the accounts that are not associated with me, I have filed an identity theft report and faxed it over to all 3 bureaus, I have contacted XXXX, XXXX, and Equifax via phone, fax, and certified mail. I haven't had any luck in getting anything resolved. I am trying to buy a home, and accounts that are not associated with me are coming back and reporting negatively which is impacting my score tremendously. These accounts have been lingering on my account since 2014 The following accounts where tied to my name which I havent opened : XXXX XXXX in the amount of {$590.00} XXXX XXXX in the amount of {$450.00} XXXX XXXX XXXX in the amount of {$450.00} XXXX XXXX XXXX in the amount {$220.00} XXXX  XXXX XXXX XXXX in the amount of {$550.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-18
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Santander has caused nothing but problems for me since the day I asked them to change my due date. A month or so after I received my car loan through this company I asked them to change my due date. They agreed and so I started making payments on the agreed upon date. Shortly after that I started getting bills in the mails stating that I was late. I knew that I wasn't late because I was making the payments on the agreed date. Long story short I called them several times to get it straightened out and each time I was assured it was corrected. Nevertheless the late notices kept coming. 

Then the repossessed my car due to their error and I had to pay to get my car back when it was not my fault. I received nothing but an apology from them and no compensation. When my car was repossessed I immediately called them and they pulled the records and the recording of my calls and found their error. I got my car back and have to borrow XXXX dollars from my brother which I had to pay back. I recently looked at my credit report and I've noticed that they haven't corrected my credit report to reflect never late b/c I was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: DISCOVER BANK
State: FL
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:
There are 4 transactions posted on my Discover Bank Credit Card : - XXXX SC   - # XXXX XXXX FL - {$1000.00} - XXXX, XX/XX/XXXX - XXXX SC - # XXXX XXXX FL - {$500.00} - XXXX, XX/XX/XXXX - XXXX SC - # XXXX XXXX FL - {$500.00} - XXXX, XX/XX/XXXX - XXXX SC - # XXXX XXXX FL - {$930.00} - XXXX, XX/XX/XXXX - Adjustment - Interest Charge - {$55.00} These charges are not valid they are fraudulent! I disputed them but Discover will not remove the charges. Also they are refusing to send me out a new card. This has to be illegal to do to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. Fifth Third Bank will be civilly liable under Title 15 U.S. Code 1692k if XXXX XXXX XXXX failed to abide by my cease & desist order. Me XXXX XXXX, A Natural Person & Consumer has had my rights violated by Fifth Third Bank. 

My Demands : Audit trail credit application Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies Respectfully XXXX XXXX, Consumer/ Natural Person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There are two accounts open in my name that i did not authorize these companies to open are ask to extend any kind of credit in my name. These accounts were open fraudulently. The first account is with XXXX  /Cbna XXXX I have tried to call this company four times and i can not speak to anyone. I have also tried calling Citibank Cbna and they keep telling me to look for the company online. The second company is XXXX XXXX XXXX. I am unable to get in touch with anyone from this bank.

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 2020-05-07
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

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 2019-10-01
Company: AES/PHEAA
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 information incorrect

Complaint:
Fedloan is reporting I missed XXXX  years with of payments which is untrue. They are reporting the same missed payments over an over and over again. I want proof that XXXX XXXX XXXX has XXXX missed payments from fedloan or remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Experian Information Solutions Inc.
State: AR
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 frustrated in regards to the accounts that are not associated with me, I have filed an identity theft report and faxed it over to all 3 bureaus, I have contacted Experian, XXXX, and XXXX  via phone, fax, and certified mail. I haven't had any luck in getting anything resolved. I am trying to buy a home, and accounts that are not associated with me are coming back and reporting negatively which is impacting my score tremendously. These accounts have been lingering on my account since 2014 The following accounts where tied to my name which I havent opened : XXXX XXXX in the amount of {$590.00} XXXX XXXX in the amount of {$450.00} XXXX XXXX XXXX in the amount of {$450.00} XXXX XXXX XXXX in the amount {$220.00} XXXX XXXX XXXX XXXX in the amount of {$550.00}

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 2020-11-13
Company: BBVA FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX I was unable to login to my bank account with simple.com I have called them on XXXX from the time their business hours open till the time their business hours are closed and no one is answering the phone lines. 

I called them again on XXXX from the open of their phone lines till the close of their phone lines and no one is answering. 

Additionally, I have called them again this morning and have waited on hold for over 2 hours. Calls are either disconnected or never answered. 

simple.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a result I am unable to access my bank account or contact my financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off the loan back in two thousand and six. recently popped back on my credit about two years ago and theyre stating I owe the loan I paid off back in two thousand six and then not take it off my credit. It is greatly affecting my credit score.

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 2018-03-18
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen loan servicing, llc Ocwen has failed to credit my my loan payment. on XX/XX/XXXX my bi weekly payment was paid through XXXX XXXX my Bank statement shows it was paid Ocwen contacted me on XX/XX/XXXX to tell me they have not received my payment The amount is XXXX XXXX XXXX dollars XXXX XXXX cents. Ocwen told me the payments were handled by pay map phone XXXX That I should call pay map will do so Monday XX/XX/XXXX Can Ocwen charge me with late fee as I did my part, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I traded in a leased Toyota XXXX XXXX at XXXX toyota. This account is closed and paid. I dont have any missed payments. I tried to explain to them but they insisted that I owe the debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-01
Company: FC HoldCo LLC
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:
Ive never heard of this company nor did I authorize them to run my credit. I have not applied for anything! This company improperly obtained my credit without my authorization!

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 2019-10-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They are failing to validate the information in which they are trying to collect on. I have been trying for several months to receive validation of this collection of which they are saying is mine but all they send back to me Is a letter stating as I already know they collect for and it has an account number and amounts which isnt validation! Please help with this company!

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 2018-03-18
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
For the past 9 months, I have been dealing with Wells Fargo Bank regarding the money that was held in a blocked account from partial proceeds from the insurance claim by Hurricane Sandy. There was approximately over {$48000.00} in the account and it was misapplied. We sold her house down the shore that could not be rebuilt as a short sale and Wells Fargo forgave the debt. We assumed that Wells Fargo was going to apply the proceeds to the amount forgiven which would reduce the XXXX form and what we had to pay in taxes which did not happen. I have a timeline of the events and errors which were the following : 1 ) They stated they mailed us a check and then rescinded that because they stated they were in error.

2 ) The proceeds were used to pay for fees but they stated there were no fees.

3 ) They stated that the fees went to an investor and after talking to them, I stated that they were the investor and just absorbed the fees. They agreed that was the case. 
I understand by signing the short sale forms that we were not entitled to the proceeds but all I have been asking for is the reduction of the XXXX for forgiveness of debt amount which totaled about {$170000.00} to be reduced by about {$48000.00}. I have addressed this with the OCC and so far no satisfaction. I had to address this with the OCC about 3-4 times and now I am reaching out to you because I feel I am not alone in this. 
At this point, my mother has passed away and my sister and I had to pay the additional taxes because of the non-reduction of the forgiveness. I now want to be reimbursed for the {$48000.00} and additional money because of the multiple number of miscommunications, delays in the process and general attitude of Wells Fargo. I spent hours on just doing what i feel is correct but so far no response because they mail their communication to an address that no one from the family lives at. Please advise the next steps and 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 monetary relief
Consumer complaint received 2018-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
case XXXX acct ending in XXXX The bank has become increasingly unwilling to answer any questions I have they have a case and they have a case number they know my credit card account and they know my name but they send me a letter asking me to confirm all of that information acting as though they don't have it but clearly you have to have it because my name and address is already listed on the letter the account number is listed and the case number with all the information is listed I don't understand why the bank is being so difficult but they have all the information I want them to resolve the case it's that simple

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Exeter Finance Corp.
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:
Ive never heard of this company nor did I authorize them to run my credit. I have not applied for anything! This company improperly obtained my credit without my authorization!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: EQUIFAX, 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:
To whom it may concern : On XX/XX/XXXX, I discovered that my credit report was filled with inaccurate information. I first noticed that my name was incorrect and the correct spelling of my name is XXXX XXXX, no middle names just XXXX XXXX. 2. I noticed that the address where Ive been living all my life isnt listed and I dont have a clue as to why it isnt listed on my report because Im not familiar with any address listed on this report and the one that should be listed is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 3. I noticed several other inaccurate information and I am clueless and o had to wonder was my identity ever used before. I did my investigation and learned that my identity has been compromised in a breach and I also found out that the inaccurate information accounts and inquiries listed on on my report isnt mine. 4.  Now I am forced to bring the law because I have never attempted to use my credit to apply for any new accounts nor did I use any information to inquire about anything for credit. So I dont know how this happened. I contacted the companies and creditors on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I didnt receive any response nor did I receive any contracts showing my signature. Now that I have concluded my investigstion which now I am forced to file a lawsuit against your company because youve allowed my information to get compromised. Now who knows how many people is using my information. I would like for you to do an internal dispute which takes no more than 3 days. I want to dispute all the inaccurate accounts and fraudulent inquiries as fraudulent. I have attached a document in the section below. Please read carefully and follow instructions. Please dont send me any letter stating that the information belongs to me nor the inquiries. All listed information is to be removed permanently and immediately. If you dont want to dish out {$10000.00} for damages and court fees please fix this issue as soon as possible. I will be following up in 72-96 hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
They are increasing the loan overtime without explaining why it is increasing. It is hurting my credit score. It also does does not show the date of last activity. It is inaccurately reporting and they are not in compliance.

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 2019-10-01
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was made aware of a negative mark on my credit by my credit union XX/XX/XXXX. This is an inquiry that has never been shown on my credit report prior to this day. I was unaware of the creditor as I appeared on my report as COI. After doing some research and calling around this is a company name Convergent Outsourcing , INC . I contacted this company and was told that this was a debt collector for a XXXX account from XXXX. I had not received a bill or notification of an additional bill. I also have never been told about any debt on my credit. I was never provided an account number. The representative XXXX stated that this debt was reported in XX/XX/XXXX over 5 years after this account was said to be opened. In 5 years I was not made privy to a debt owed. The lady proceeded to explain that for a payment of {$170.00} the debt would be settled as paid in full and that they would report to the Credit bureau as such to have this removed. I was not made aware that I had an option to dispute this matter, I was only told that a settlement payment would get this removed. The rep XXXX took a payment in the amount of {$170.00} and gave a confirmation # XXXX, XXXX advised that she would provide a " XXXX Balance " email and was provided my email. XXXX stated this information would also be mailed out. XXXX provide a phone number # XXXX and stated to look for the email in the next couple days and that the remark would be removed. I have not received an email of this letter to date in my mail or email. I called the company XX/XX/XXXX and spoke to a rep named XXXX and advised that I had not received the email I was told I would. XXXX asked for my information, first my telephone #, and name, she then tells me that she can not find me in their system. She ask for my social security # and tells me that she can not find me in their system. XXXX then tells me that she will have to get with her manager to find out what other ways they can check to see if I have an account. At this point I am concerned about several issues. This company is soliciting debt from consumers without providing proper information. Funds were exchanged no receipt was provided, no email of settlement provided, and now no recollection that an account exist for me. I am requesting that this be reversed, that I am refunded my money and that this be removed off my credit report, this is a violation of my rights as a consumer.

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 2018-05-22
Company: Bread Financial Holdings, Inc.
State: OH
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 contacted numerous times to a point where i am going to take this to an Ohio Attorney Generals Office and exercise my rights to a higher level i had 2 UNAUTHORIZED charges {$630.00} and {$1000.00} Please remove these asap so i can stop sending in complaints and letter repeatedly weekly these are unauthorized due to identity theft and as well as i have id protection on my credit file for the next 6 years the law is that you have to obey id theft and this has not been removed yet. Once these two charges are removed and my credit file is updated and my new min payment is updated i will start to continue making payments. please remove all late payments as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-21
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was approved for a XXXX XXXX dollar credit card from XXXX XXXX XXXX. From the first time I used the card I had problems. Whenever I try to use it I had to call in because someone would lock my account. Then navy federal closed my account with telling me why and still have not gave me any explanation on why they have shut the account out it 's been about 3 months now and I have yet to here anything on my account. Now they want me to pay money for a card that I was not able to use fully.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation