BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being. I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the accounts listed below be removed. According to to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 
Accounts : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 disputed an item on my credit report repeatedly that is on their wrong and the website has you complete a form which I have done repeatedly. They won't give you an update. They won't communicate back. They won't confirm your submission. Their site has a front page which shows all current and past investigations which is always blank. Its like talking into a black hole.

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 2023-08-15
Company: EQUIFAX, INC.
State: LA
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: Other problem getting your report or credit score

Complaint:
My credit report with Equifax has been blank and they keep saying it will refresh but it never has. I called again and was told someone will email me still no email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
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:
XXXX : {$9100.00} Dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 XXXX : {$820.00} Dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 XXXX : Inaccurate reporting amount across for each CB. 
Dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 XXXX XXXX XXXX XXXX : It's reporting as a derogatory AND a collection for XXXX. 
Dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 I have reached out and sent multiple letters to CB AND Collectors. I have not heard anything from anyone. Above as you can see ALL of the dates I have reached out. I have sent numerous of letters and not once I have received anything. 

Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. CORRECT? However they are in Violation. 

PUBLIC RECORDS : Chapter XXXX Bankruptcy ( XXXX ) They are stating that the item has been verified. I have sent in multiple letters showing proof ( A COURT LETTER ) stating they the courts DOES not report any information to credit reporting agencies. I have also sent in proof from my XXXX report that the item has been REMOVE because it was unable to be VERIFIED. Please remove inaccurate information from my report IMMEDIATELY. 

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Experian Information Solutions Inc.
State: PA
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:
The information currently reflecting on my personal credit from " XXXX XXXX XXXX '' is being reported as derogatory. This negative information should not be reflected at this point due to it meeting the 7 year threshold negative information should be showing on a credit report. I'm requesting that all accounts be updated to a positive status and/or deleted from my file. This account was refinanced during a divorce proceeding as well.

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 2022-09-13
Company: Alliance One, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/XXXX, I had my son 's XXXX XXXX XXXX towed to XXXX in XXXX, CA to have the transmission replaced. It was no longer covered under Manufacturers warranty. XXXX asked if we wanted a used transmission or a brand new one that would come from the manufacturer & gave us a quote for each. We decided to pay the extra money for a new one that also came with a 5-year warranty. The new transmission cost us {$2900.00} + labor, etc. We also had the brakes fixed, oil change & tires and the total bill came to {$5400.00}. To cover the total amount, we paid {$1800.00} with a debit card, {$2200.00} in cash & {$1400.00} with my son 's XXXX Credit Card. 
XX/XX/XXXX my son was on a road trip and the transmission in the XXXX went out again when he was 26 miles from XXXX. The warranty would cover the replacement of the transmission this time, but my son had to take an XXXX to XXXX that cost {$89.00}, the XXXX had to be towed to XXXX, costing {$180.00} & I had to take a day off work, rent a car to go pick up my son, rental car cost {$240.00}. Total of {$510.00} that we paid. 
When we got back to XXXX, XXXX originally refused to provide us with a rental during the time our vehicle was in for repairs so my son did not have a vehicle to get to work. After a month + we got the vehicle back. 
We originally paid {$2900.00} for the new transmission ( + labor ) & a 5 year warranty. XXXX replaced it with a Pre-owned transmission cost of {$1400.00} & only a 1-year warranty. I had to request the paperwork several times before XXXX finally sent it to me. Keep in mind, this all started in the midst of the Pandemic along with other factors so the XXXX Credit Card we used to pay {$1400.00} for the original transmission went un-paid. The total amount delinquent on the XXXX account is {$1400.00} + {$430.00} in late and finance charges, totaling {$1800.00}. 
I am requesting this delinquent balance be brought to zero & reported as paid in full due to the fact that we did not receive the same quality of product that we purchased as a replacement and we also lost 4 years of warranty because of this. 
I have sent a letter asking them to forgive this amount but they refuse. I also have never been reimbursed for the amount of {$510.00} that I had to pay out of pocket.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXXI received two letters from Santander Bank signed by XXXX XXXX, XXXX XXXX XXXX. The one letter was addressed to me only and it stated that they were closing my checking account that I hold jointly with my husband and a savings account that is just in my name. A second letter that was addressed to my XXXX year old son advising him that his savings and checking account were being closed. This letter did not include my name which I am the custodian of both accounts. Both of these letters stated that the accounts were being closed and that I had 30 days to close the accounts or they will close them and send us a check.

The letters did not look professional so I contacted the local Santander Branch in XXXX, PA. Upon their request my husband and I responded to the Bank. We spoke with Relationship Banker XXXX XXXX. XXXX related that he also thought the letter looked to be unprofessional and he was reluctant to call the number. After verifying the number was legitimate XXXX  contacted the number listed. After hanging up XXXX related that the gentleman refused to give him a reason of why the accounts were closed. XXXX   related he would have is branch manager check on it the next day. On XX/XX/XXXX my husband contacted the phone number listed on the letter. My husband was told that Santander was not going to give a reason nor are they required. Just as we have a right to switch banks they can cancel are accounts at any time without giving a reason.

I have a business account in my name and a Home Equity Loan with Santander and neither of them are mentioned.

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 2023-12-02
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter last XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block the items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: SYNCHRONY FINANCIAL
State: TN
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 called several time to try and fix whatever issue they had, they also informed me several time I couldn't make a payment over the phone, I tried adding my new back to the account 10 times over a period of 5 months or longer.. I can not tell you how many time I called to ask why does this keep refusing to let me add my bank? No answers, I asked so how am I supposed to pay something you wont allow me too? They always told me i had to two a few days for it to go though. I again have repeated this over ten times or so, i asked my bank if they were rejecting it and they told me no.. So i eventually got someone who forced the process to take place, I made the payment, and two to three days later they revoked my payment??? No they closed the credit card and charged it to my credit 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 monetary relief
Consumer complaint received 2021-10-29
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
In 2005 I attended XXXX XXXX hoping I would graduate and find myself a great job as XXXX claimed in person by XXXX recruiters, TV adds, brochures and more. XXXX recruiters failed to establish the true cost of attending school and I felt lied to about the actual cost of the colleges program. I had no clue each quarter would cost roughly {$5000.00} for each class. At the time when I was more than halfway to complete my degree, XXXX stated I maxed out of the Federal Aid assistance and would need to either come up with the remainder of the cost out-of-pocket or apply for private student loans. I then decided I would transfer my credits to a more affordable college to complete my degree. Well, come to find out, XXXX credits were non-transferable. XXXX XXXX gave me no choice and steered me to apply for Private Student Loans up to {$18000.00} through XXXX which not only were expensive but also entailed high interest rates to complete my classes and graduate. Since I have graduated I have had a difficult time repaying my loans and may face default. XXXX ended my future with hardship and unforeseen amount of debt and no career in the field I studied for. The financial harm I am facing today is a tremendous burden as I have difficulty supporting my family financially. I have attached a copy of the lawsuit filed against XXXX XXXX for misleading their students, who for some, needed to apply for Private Loans. XXXX XXXX has been found guilty of defrauding the Department of Education and their students.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: WELLS FARGO & COMPANY
State: PA
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:
I claimed bankruptcy in 2007, but did not include my mortgage. my mortgage was kept in excellent standing. during that time, Wells Fargo 'bought ' my loan. 
since that time, they have not included my husbands name on the account and/or billing statements, they are not reporting the my payments on my credit report and i, as well as our attorney has contacted them to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: AZ
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've asked XXXX 3 times now at this point to remove a dispute that I had on my account reporting on Equifax. My loan officer told me this would impact my ability to qualify for a mortgage if I keep the dispute on. Despite the multiple attempts calling XXXX and speaking with 3 different supervisors who refused to give me a direct line, they are directly impacting my ability to buy my first home since they didn't do their jobs. I'm not sure what else to do and I don't understand why they're not removing my dispute. They keep telling me they have to submit a back office request that just sits in this queue waiting to be assigned to a representative. These calls occurred on XX/XX/21, XX/XX/21, and XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX, XXXX has refused to settled my debt. I paid my debt off on XX/XX/XXXX. I was served paper work for small claims court on XX/XX/XXXX. I called XXXX XXXX XXXX immediately on XX/XX/XXXX after receiving the papers. They assured me that the debt was paid in full and that they would notify the legal department and that they would send me a letter of pay off. XXXX XXXX XXXX told me to attend the court date and show the letter of payoff. I attended court to find out that the attorneys paperwork showed I still owed a balance. Another court date was given to me to be at for the same matter. The attorney directed me to call XXXX ( XXXX XXXX XXXX ) to take care of the matter. I got the run around again. 


XXXX XXXX XXXX XXXX has repeatedly refused to mark the debt as paid for the courts. Court documents reveal that XXXX, XXXX has had the payment information on the pay off since XX/XX/XXXX. Repeated calls to mark the debt as settled have been ignored. 

XXXX XXXX XXXX XXXX has needlessly damaged my credit, willfully ignored our requests and demanded payment AFTER the payoff. XXXX XXXX has harassed and refused to work with us. On the phone they say they will assist us, but there is never any follow up. The attorney for XXXX XXXX at the hearing showed a balance on the account. This PROVES that XXXX XXXX did not follow through. 

Our credit has been damaged by XXXX XXXX and we need to be made whole while alerting honest citizens to their dishonest and ugly collection tactics.

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 2021-10-07
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have a free membership with Experian, so they send me promotional messages and notifications. They sent me a promotion for a Bill Negotiation service, where they negotiate to lower certain bills for you. The cost of this service is 40 % of a year 's savings. I signed up for this service in mid-XXXX  and they reported that they were able to save me {$50.00} a month starting in XXXX, totaling {$600.00} on my cable bill. I could either make six monthly payments or pay in full. I chose to pay the full {$240.00}. When I received my XXXX bill, it was not lower. I contacted XXXX and they had no record of my bill being negotiated. I then contacted Experian and the rep told me to email them the bills and they would investigate immediately. I sent them the bills and have emailed them several times since then with no response. I have now received my XXXX bill which is still unchanged. XXXX confirmed through their chat function as well as over the phone that they were never contacted by Experian.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I attempted to apply for a bank account numerous times, and i was told I was unable to get a account because I was in XXXX and XXXX XXXX by Bank of America. I reached out to them, and they told me how to obtain my consumer disclosure reports. While reviewing the reports, I realized i was a victim of identity theft. I made a claim to get the information removed from the reports. However, Bank of America did remove account ending in XXXX and not the other account ending in XXXX, stating that I did not file a fraudulent claim for that account. They told me to file one for that account. I also was advised to send them this report in connection to the identity thief that Ive been a victim off. Please assist with the removal of this erroneous and untrue information that I am a victim of. Thank

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 2019-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/19 I received an email from CapitalOne stating " Your {$500.00} cash back bonus is ready and waiting-and full of potential. Redeem Now '' It  listed the last four digits of my account. Further down it said, " Redeem for cash. Lower your account balance or get a check. '' So I called to redeem and spoke with both a customer service rep and a supervisor who both told me the email was an error and would not honor it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: WELLS FARGO & COMPANY
State: NC
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 left my wallet in my car and it had got stolen, recently I have noticed that there was some unauthorize charges on the account when I went to check on my consumer 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