BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: NC
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:
Equifax has refused to delete inquiries that have been found by me on my credit report that I did not create. 

Furthermore I have provided to equifax an identity theft report field recently with the FTC for identity theft and was instructed by the FTC to provide a copy of that report that was filed that clearly outlines inquiries on my credit report that I did not create, sign for, enter into any contracts or agreements as those inquiries remain alien to me and I demand that those inquiries be removed at once!! 

These are hurting my Credit score each day and I demand that equifax remove them now! 

I disputed these unauthorized inquiries with Equifax along with police report and FTC identity theft report and will not correct these inaccurate inquiries as listed on the FTC complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX, has violated my rights. 

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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a 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 2021-09-11
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
Ive tried to reach out to them regarding this loan XX/XX/2021. And yet to receive a response. In fact, within the class action lawsuit against XXXX University, we found out that they were involved in changing grades, enrolling unqualified students, and even counterfeiting legal documents so that their substandard plans would get accreditation. 

Thats some serious stuff and the idea why essentially anyone who attended any of their schools should have no problem in receiving their loans fully discharged via Borrowers Defense to Repayment.

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 2019-04-17
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Account showed up on my credit report that I have no ideal about. Never heard of this company. Never signed a contract with this company. Information should be deleted from my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Asked for extended frauds alerts to be removed and credit bereaus never removed them

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 2023-07-13
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 is missing that should be on the report

Complaint:
Hello, I received a settlement offer from XXXX XXXX. They said that they will accept {$7300.00} as a settlement. XXXX XXXX said that once they received the final payment, they would forgive the remaining current balance and the loans be considered settled. 

I accepted the offer, saved up and made the full payment. It has now been over 2 months, and XXXX XXXX is still not reflecting on my account of settled. 

Please please please assist. It is ruining my credit profile. 

I have letters from them and a receipt showing that I paid the amount agreed, if needed.

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 2019-04-17
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Good Morning, I am filing a complaint with the consumer financial protection bureau against Navient, my student loan service provider. Since XX/XX/XXXX i have held a student loan with them. From XX/XX/XXXX to XX/XX/XXXX/XX/XX/XXXX I have made my payments on time every single month. Typically we mail in 2 checks in one envelope to cover the costs of the loan. For the past 12 1/2 years we haven't had a problem. All of a sudden the past 6-7 months, every time we send our checks into Navient they are being misapplied. They keep telling us we owe them money when we send in exactly what their requesting of us on the bill each month. Theres no way we ever owe them anything else. And every month I have been calling them when I get the bill to discuss this with them ( Ive talked to two managers and countless reps ) and theyve admitted to me that theyve misapplied the payments. One manager told me to start sending in the checks and denote each loan number and amount on the bottom of the checks ... we did that and they're still misapplying them and saying we owe them. Of course they blame it on their computers and never once human error or carelessness. And every time I call them, they end up readjusting/updating my account to reflect paid on time status because they admit that I did send in what i was supposed to, its just that they misapplied it. I am beyond tired of having to call them every month for an obvious scam they're trying run. They need to be sued and shut down. Id appreciate a response. Thank you Kindly, Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from Winn Law Group that indicated their intent to file a lawsuit for an aggressive collection agency XXXX, XXXX, that only recently obtained an account from XXXX that I had been making small payments on. 

They use excessively aggressive tactics and when I attempted to call them indicating at the time that no law suit had yet been filed they tried to claim I needed to pay the entire debt off or in several large payments, which I indicated I could not do. They showed no respect, courtesy, or flexibility, and demanded I provide them a lot of documentation about my current income. Before this could be gathered I was served with the evidence of the legal summons. 

This company uses very aggressive and threatening tactics, and makes no attempt to first reach individuals with reasonable collection strategies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
interest charge after paid in full-

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 2023-01-31
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2021-09-11
Company: EQUIFAX, INC.
State: NC
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 submitted letters for investigation in and not got a response in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
Explain, in detail, your math involving my Travel Rewards Credit Card! I am in receipt of 2 letters stating {$93.00} due me on 1 and no number on # 2. 
Your lack of getting a managerial response is pitiful and anti-consumer is being overly generous. this is a two-minute problem from an intelligent manager!!!! 
Get me one!!!!

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 2023-06-17
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
It looks like I have had both Checking account as well as line of credit through Santander. Since I had forgotten about them both my Checking account had {$0.00} balance for a long time but instead of simply closing this account for XXXX balance on XX/XX/2023 Santander decided to withdraw {$50.00} from line of credit to go towards Overdraft protection fee. 

So, My complaint is two fold. First is that Santander should have just closed account with XXXX balance rather than all of sudden withdrawing {$50.00} from line of credit. Second is whether this bank regularly does these type of things to their other customers as well and customers might not even know about it.

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 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : U S DEPT OF ED/XXXX, DEPT OF ED/XXXX, XXXX XXXX   XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX/XXXX/XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX  XXXX  XXXX/XXXX  XXXX XXXX  XXXX. 
XXXX XXXX  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 2023-07-13
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 have fraudulent accounts on my credit report, which I reported to XXXX  XXXX XXXX, yet XXXX XXXX XXXX is not removing this fraudulent account. BANK XXXX XXXX has no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXXXXXX XXXX has refused to do this. The followings are the fraudulent account XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3100.00} and XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4600.00} that were opened at an address which I have never lived at and it has nothing to do with me. 
The fraud address is the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-08-05
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2022 and 60 days late as of XX/XX/2022 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I XXXX my babysitter her money. I hit her name and XXXX her {$200.00}. A day later she tells me she never received the money. I checked my bank records and it shows her name, XXXX. After going crazy for a few minutes trying to figure out why she never received the babysitting money, I realize I had sent it to the wrong XXXX. Apparently I had another XXXX in my recipients without even knowing. I contacted Wells Fargo right away to try to reverse the transactions and they quickly informed me it was irreversible transaction. I explained the situation to Wells Fargo, that I contacted the wrong person I send the money too and they themselves did not get the money either if not she would have return it to me. I then got the documents from XXXX XXXX inventigation and now it claims the money was sent to another phone number listed in the token/account. XXXX and all these big banks are a total scam. Wells Fargo said they would try to get my money back but they did not do the proper investigation. I am a single mother of XXXX kids. I need those {$200.00}. My next step is to open a police report. I though Wells fargo was going to do more for its customers especially because I have been a loyal longtime customer but they did not care. {$200.00} might not be alot for XXXX but to me and my family it is a whole week of food and gas. Also I do not understand why they did not keep on trying to collect the money from XXXXXXXX XXXX because that is where the money got sent to apparently. I am very disappointed with Wells Fargo. If this is not resolve I will never bank with them again, close all my accounts, let my family and friend about what they did and not to use their services ever again. Alot of my family memeber have account and auto loans with them. They are willing to close their accounts because their looking at how they are handling my situation and does not that to happen to them.

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 2019-11-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
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:
My credit was run by the following companies without my knowledge : XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX   XXXX XX/XX/19 XXXX XXXX XX/XX/19 Onemain XX/XX/019 XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX/XXXX XX/XX/19 XXXX/XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX  XX/XX/19 XXXX XXXX XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
On XX/XX/XXXXXXXX  I paid {$310.00} to XXXX XXXX for a festival and camping ticket to the XXXX XXXX XXXX XXXX XXXX using my Capital One credit card, which as supposed to be held XXXX XXXX XXXX. On XX/XX/XXXX, the organizers of this festival ( XXXX XXXX  ) " postponed the festival to XXXX and changed the location from South Carolina to Ohio, promising a refund upon request. I requested a refund, and the last communication I received from XXXX XXXX  was from XXXX XXXX on XX/XX/XXXX, promising a refund soon. I have not received this refund as of XX/XX/XXXX. I can not attend the festival in XXXX  and do not want tickets to this event. I paid for the event that was supposed to happen in XX/XX/XXXX, and because this event did not happen ( cancelled by the organizer, XXXX XXXX ), I would like a full refund. It's as simple as that. I paid for a service. I did not receive that service. I am still out {$310.00} over 6 months later with no updates in 4 months. I have records of all of this. 

When I called Capital One, they refused to charge back my card until I had spoken to the merchant to try to resolve my issue. Once the merchant did not resolve my issue, I sent all my documents to Capital One, who refused to charge back the illegitimate charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are trying to pay our monthly mortgage payment with extra principal amount in two payment each but Mr. Cooper our mortgage company is not applying our payments correctly. On these dates XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX we paid our monthly payment but it wasn't applied until the XXXX of the month. They are holding our payments in an unapplied funds account until the XXXX of the month. We have spoken with them many times but they refuses to apply our funds properly because they are trying to prevent us from payoff our loan before the time. We don't have a penalty in our contract on pay off our loan before the maturity of the loan. We want Mr. Cooper to applies all our payments and to stop calling us between the XXXX of each month and the XXXX before our mortgage is late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
XX/XX/2018 Capital One took {$99.00} out of my checking or around XX/XX/2018. I have contacted these people several times to get a bill mailed to me and a receipt for my refundable {$99.00}. 
I am told that I owe on XX/XX/2018. Where is my bill? 
I only have one letter dated XX/XX/2018-welcoming letter.

Company response to consumer: Closed with explanation