BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-15
Company: Santander Consumer USA Holdings Inc.
State: TX
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:
Due to a temporary situation financially of having to care for and pay for my mother ( XXXX XXXX ) funeral and burial out of my own pocket and alone which caused me to have some late payments earlier in my loan. I have worked diligently to keep them up and consistently on time. I have never absconded and have been tirelessly in communication about the account. The agency ( Santander ) agreed thru a goodwill  gesture to update my account and I was told they would rid any late payments statuses to all 3 reporting agencies and late payments would state ( XXXX ) or none. This is extremely important now because I had a background check performed and this was revealed to my employer. It could jepordize my future employment and other current situations by this reporting. This damage would be irrepairable and permanent. My plan is to pay this account in full by XX/XX/2020 and have put things in place to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On XXXX Navient called 8 times using an automated system. No voicemails identifying who it was or what it was for. I never gave consent to contact my cell phone which is documented in my profile according to their website as " Cell phone consent = None ''. Repeatedly calling within a single day is clearly harassment intending to annoy or abuse. When I was able to return the call that same day the offices were closed. I have the call logs for each of these calls from two different numbers XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Experian Information Solutions 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-07-15
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Few months ago, consolidated all three of my student loan with Nelnet. Was advised by mail that my consolidation was approved and I have one student loan. Check my credit report and noticed two new Nelnet student loans instead of one. The two loans account number are ending in XXXX and XXXX. Received account statement from Nelnet and it states, that I have one student loan ending with account number XXXX with balance of {$23000.00} which is correct. Moreover, it is not reflected on my credit reports. Attached are documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a letter to dispute inquiries on my Transunion credit report. I talked with XXXX XXXX and XXXX XXXX on XX/XX/17 at XXXX XXXX central time. They informed me that Transunion does not dispute inquiries and I asked why not since the inquiries are a part of my credit profile? They said because it was a part of their policy not to dispute inquiries but neither could give me a specific policy to validate their claim. I disputed these inquiries based on full disclosure. I stated in the letter that the inquiries I was disputing did not explicitly state that the inquiry would result in a hard inquiry on my credit report. Transunion refused to go further and has already sent a letter a day after receiving my dispute. For that reason, I am filing this complaint for Transunion to do their job and investigate and obtain proof that I was given full disclosure regarding these inquiries.

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 2020-07-15
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Several Wells Fargo accounts were opened which were not authorized, numerous prior CFPB complaint were filed, unresolved, pertaining to this issue and fees/damages associated with these accounts.. A mediation session was made with Wells Fargo and a XXXX XXXX , rep on Wells Fargo side . XXXX offered a small remedy amount of {$300.00} then moved to a higher amount of {$500.00}, which does not cover damages sustained due to these accounts.. As explained in prior complaint, I've lost potential interest as result of inability to open accounts, due to information reported prior by Wells Fargo to one or more consumer reporting agencies. The amount, {$500.00}, does not cover damage amount and a lawsuit will have to be filed, unless Wells Fargo is willing to make a reasonable offer to compensate. Failing to do so, I request these mediation packets STOP .... I've received several of these, filled out five or six, no reasonable offer made which I described above..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: TN
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:
I DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! XXXX  XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX  XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I feel that no one is taking serious this situation, I begging the CFPB to please take care of this matter, on Mon XX/XX/XXXX, at XXXX XXXX I Q Data received a certified letter # XXXXwith a Cease and Desist and an Affidavit of truth marking all the violations they committed. In one of the letters I asked to cease and desist all forms of communication with through any and all mediums, I asked to delete and zero out the accounts from any consumer reports, and to pay the invoice for every violation they committed, I gave them a 30 days period, Its been 30 days and they still reporting the alleged debt, and they have not responded with my requested remedy. Pursuant 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication They should not have any communications through any mediums and they should cease and desist the mentioned activity. If we look at the The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. ( They still conveying information regarding the debt through all the Consumer reporting Agencies ) They are on violation. which is not even included in the invoice that I sent them previously. Another violation they committed from the beginning is which is not in the invoice either, 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally. 
I never gave I Q Data a written consent to even communicate with me about this alleged debt, No consent is Identity Theft. 
I'm feeling very frustrated and very XXXX  out about this situation, I have to literally no sleep because I have been dealing with this, and I feel they are going to cause me receiving further injury damages, mental anguish, and looses due to me being a victim of identity theft. 
They are in default of the cease and desist and affidavit of truth I sent them, HOW CAN SOMEONE REBUT AN AFFIDAVIT OF TRUTH?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Report Created On : XX/XX/2023 XXXX XXXX XXXX : XXXX Transunion has been unable to supply me with any information on how they proved the accuracy of this account. This matter has gone to court is which I won the case.

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 2020-07-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Transaction disputes were submitted on the website of bank on XX/XX/2020. The total amount of disputes is {$4900.00}. I have spoken to several representatives regarding on my account including the debit card dispute department after realizing that I was scammed. Bank was provided with email chain which includes all the details of the scam. Bank denial the full dispute after knowing the fact that it was a scam.

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Do to the pandemic/ COVID, I deferred 6 payments. But they show up late on my report. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-05-09
Company: EQUIFAX, INC.
State: CA
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:
Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Date opened : XX/XX/2023 After a thorough review, I have determined that this alleged debt is entirely fraudulent. I categorically deny any association with this institution or any knowledge of owing them any amount. 

As per my understanding of the Fair Credit Reporting Act ( FCRA ), it is unlawful to report false, fraudulent, or unverifiable information on a consumer 's credit report. I remind you that failure to comply with these regulations may result in legal consequences. Therefore, I expect your agency to act promptly to investigate this matter, confirm the fraudulent nature of the debt, and remove it from my credit report accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XXXX  KEEPS RUNNING BACKGROUND REPORTS ON MYBEHALF, AND GETTING ME DENIED FOR XXXX XXXX XXXX XXXX AND XXXX. ALL BECAUSE I HAD A XXXX   XXXX CHARGE XX/XX/XXXX! IT WAS A XXXX. 4 YEARS AGO AND MY REPOSSESSION 4 MONTHS AFTER MY XXXX. BY THE WAY I COMPLETED 9 MONTH 'S OF XXXX AND 2 1/2 MONTHS XXXX XXXX XXXX AND ONE WEEK IN XXXX .... NOW IM BEING FINANCED THROUGH XXXX XXXX, FOR A NICE XXXX XXXX XXXX XXXX AND I JUST WANT TO XXXX XXXX ... ... .. ITS NOT THAT SERIOUS!!! COME ON

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Please refer to Case XXXX Chase Bank, committed on XX/XX/2019that this account which was fraudently opened in my name, without my authorization was closed. Yet I continue to receive request to verify or update my contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Did not remove the inaccurate accounts, according to the provisions of the FCRA

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 2023-06-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX of XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, The short of it is that Wells Fargo failed to cancel my PMI automatically when I reached 78 % LTV and is refusing to refund the difference. 


In XXXX I called Wells Fargo regarding my mortgage PMI and wanting to know how to get rid of it. I was around 80 % LTV ( based on the lower value of what I paid, not what it originally appraised at ) at the time. My understanding of the conversation with the rep was that I could either pay for their appraiser to make sure the value of my house in a growing major metro area hadn't dropped or wait for it to drop automatically at 78 % so long as I was in good standing. They said they'd send a follow up letter with details, which I did receive. 


I ticked that off in my head since I was so close to 78 % LTV and forgot about it until this XX/XX/XXXX. I noticed that I was still being charged PMI, despite being at 75.5 % LTV. I have been a month ahead on payments for years so this confused me. I called and the first rep just kept saying they'd generate a letter that would eventually arrive. I called again immediately and got a more informed rep that confirmed that they would cancel it but couldn't tell me why it hadn't already and that I'd have to call and try after it dropped when I asked about a refund. 


I escalated and their highest rep level called me back today, XX/XX/XXXX to say that they sent not one, but two letters directly after my original XXXX call and that one said that they no longer automatically cancel PMI and therefore they would not be refunding the difference. I received only one letter and received no indication that there would be a second. This supposed second letter is also not available for my viewing in my account page nor was it electronically sent to me. This rep also insists that she is unable to find the XXXX call information without a specific rep name and date, despite that call being the reason the XXXX letter was generated in the first place. Supposedly the higher rep is mailing these letters to me now.

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 2018-11-09
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  of XXXX XXXX XXXX  called me onXX/XX/XXXX and told me that the call was being recorded and he is calling about my credit account with XXXX XXXX XXXX XXXX. I told him that I don't owe any money to anyone. He confirmed my name and insisted that I do owe the money.. He went on to ask if we can settle this matter today. I hung up on him because I got a call from this company earlier in the week. I told the caller that I don't have a XXXX account ; he asked if my birthday was XX/XX/XXXXand I told him it wasn't. He told me that he will take my number off of the list. I don't own any explanation to anyone about my bills, which are in good standing, and, they should know who they are calling before they turn on the strong talk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01
Company: Halsted Financial Services, LLC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I DECIDED TO REPORT THIS BECAUSE I GUESS THIS IS A NEW FRAUD FROM THE COLLECTION AGENCIES, SINCE LAST YEAR I STARTING TO RECEIVED LETTERS FROM DIFERENT COLLECTION AGENCIES TRYING TO GET MONEY FROM ME WITH ACCOUNTS ALREADY CLOSED AND PAID OFF. 
THIS HAPPEN TO ME WITH FLORIDA HOSPITALS CLOSED ACC ALSO. 
AND TODAY I RECEIVED ANOTHER LETTER AND DECIDED TO CALL THE AGENCIE AND THE PERSON TOLD ME THAT THE ACCOUNT IS CLOSED AND NO DEBT TO WORRY ABOUT AND ALSO SHE TOLD ME THAT THE LETTER WAS OLD BUT GOT THIS DATE XXXX.THE AMOUNT WAS XXXX AND OFFER ME A SETLEMENT OF XXXX THIS ACC WAS CLOSED SINCE XXXX. 
I WAS SO UPSET AND CONCERNED BECAUSE THE TRICK IS THAT THIS COMPANIES OFFER YOU A CERTAIN DISCOUNT PERCENT SO THE PERSON PAY AS SOON THEY RECEIVED THE OFFER WITHOUT VERIFIED THE DEBT, HAPPEN TO ME ONCE ALREADY ; PLEASE TAKE ACTION AND ADVICE THE PUBLIC,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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