BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
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:
I have been waiting for months to get a response after mailing multiple letters out and i have yet to receive anything back. I have several accounts on my report that i do not have contracts with or the info belongs to someone else. I have reached out to all bureaus and have yet to get a response. This is unacceptable, nothing has been mailed to me as a response.

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 2019-02-07
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
TO WHOM THIS MAY CONCERN : ON XX/XX/XXXX, I CONTACTED NAVIENT STUDENT LOANS AND I WAS CONNECTED WITH A YOUNG FELLOW. ALL OF MY CALLS ARE RECORDED DUE TO THE TYPE OF APPS I HAVE ON MY PHONE, WHEN IT WAS PURCHASE. EVERYTHING THAT THE GUY ASKED FOR, I TOLD HIM. I EXPLAINED TO HIM THAT I WAS ON WEDGE EARNER AND MY STUDENT LOANS WHERE ADDED TO THE WEDGE EARNER, LAST XX/XX/XXXX. HE DID'NT WAN NA HEAR THAT. I ASKED TO SPEAK WITH AN SUPERVISOR, AND HE WENT ON TO SAY, THEY ARE GON NA TELL YOU THE SAME THING, I THEN REPEATED MY SELF SEVERAL TIMES AND FINALLY HE NEVER SAID HOLD ON, I I HEARD MUSIC AND ASSUMED HE WAS PLACED ME ON HOLD. HE WAS VERY RUDE AS WELL AS YELLING AT ME STATING '' HE DID NOT GIVE ME PERMISSION TO RECORD HIS CALL ''. AFTER BEING ON HOLD FOR ALMOST 1O MINS ( RECORDED ) HE THEN TRANSFERRED ME TO A DIFFERENT CUSTOMER SERVICE MEMBER INSTEAD OF A SUPERVISOR THEN I HAD TO WAIT AN ADDITIONAL 10 MIN TO SPEAK WITH SOMEONE ELSE. MY HOLD PHONE CONVERSATION WAS RECORDED. IF HE ACTED LIKE THAT WITH ME, THERE'S NO TELLING WHO ELSE HE HAS ACTED THIS WAY WITH.I 'M TRYING TO LET YOU ALL HANDLE IT FIRST BEFORE TAKING IT FURTHER TO COURT. MY CALL BACK NUMBER IS XXXX. AGAIN, NO ONE SHOULD HAVE TO EXPERIENCE THIS KIND OF BEHAVIOR TOWARDS ANYONE. I REMAIN PROFESSIONAL AND MANNERABLE, BUT HE DID NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Santander Consumer USA has been continuously reporting a car loan that I did not own and was supposedly cosigned on. I disputed this negative information with them after I discovered that this loan was included in one of the 34 states ( FL ) and years that the lawsuit against Santander Consumer USA took place. XXXX XXXX XXXX, ( the collection agency that Santander sold this account to ) removed this account from my report but Santander refused to for some reason. This negative information is affecting my credit and living situations tremendously and I feel this account should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Amsher Collection Services, Inc.
State: AL
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 had several accounts charge off I paid off for deletion and the charge off still on my credit as well as some accounts report that should be deleted and report wrong. This has take a toll on me mental where I cant even get loan for my business. Ch XXXX need be taken off because I never went through it. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amsher collection report collection that was false took my score down 70 point. I paid them also old account. This has effect me I work so hard pull up my score and it has not help I paid over XXXX in charge off and still reports negative as well repo that was sold and not liable for should be Delete instead report negative against me a lot the info is wrong my report I have disputed it all three credit bureaus and still no action on their part

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 OPENED : XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX, XXXX. 
Account # XXXX Collection opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX Collection opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX Collections opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX Account XXXX XXXX Date opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2017-10-25
Company: CITIBANK, N.A.
State: TX
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:
Hello on XXXX/17 a fraudulent company advertising magazine ads that were supposed to be in our local grocery store set us up on a payment plan with them. We paid {$190.00} in cash, {$190.00} on credit, and the balance was another {$480.00} on credit. We found that the company was fraudulent after speaking with the local grocery stores. Citibank refunded our {$190.00} but refuses to refund the {$480.00} amount because the merchant provided fake XXXX shipping labels showing they shipped something to our area. I have provided not only documentation from the grocery store stating that this was fraud but also information from XXXX  with other customers who have been defrauded by this company. I have attached all communication with Citi Credit Card and all the documentation that shows no good or services were received.

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 2020-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I attempted to open my Bank of America app and wasnt able to log in. I called and was told my account had been closed but the first person I spoke with wouldnt tell me why. I then spoke with a supervisor who stated that the account had been closed and the reason was related to a business decision but the supervisor couldnt tell me what that meant or exactly why the account had been closed. There was a positive balance and no signs of fraudulent activity.

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 2017-10-25
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 CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT ACCOUNTS PLACED IN MY NAMES WITHOUT MY CONSENT. I GAVE NO ONE CONSENT TO OPEN THESE ACCOUNTS. HERE IS A LIST OF THE FRAUDULENT ACCOUNTS AND THE CONTACT PERSON AT EACH COMPANY. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. EACH COMPANY AND THE PERSON I SPOKE TO. I ATTACHED MY POLICE REPORT ALSO.

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 2019-06-19
Company: TD BANK US HOLDING COMPANY
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:
On XX/XX/2018 Nordstrom/TD Bank Opened account for XXXX for 11mos Ive never used this card nor did I fill out and application to open this account.I have filled out a police report and a FTC.GOV report regarding this matter. I've called XXXX and they stated Nordstrom is comfirming this was my account. This information was reported to a childhood address which I haven't lived in 40yrs. also they are reporting a 1st payment was never received. I have resubmitted everything to XXXX for the fifth time. 
XXXX XXXX XXXX opened account XX/XX/2018 for the amount of XXXX this was removed then added back. Ive called requesting more information from both XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Attached Personal Documents are My XXXX  and Utility Bill Listed accounts were placed onto my consumer report without my permission. 

XXXX XXXX # XXXX XXXX XXXX # XXXX SEE ATTACHED DOCUMENTATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: C.Tech Collections, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Very bad comoant they are liars very bad first they lie and say they do no credit reporting their in house then I find out today they are hurting my credir score killing it with their account this is nit fair I called and they act like they dont know what Im talking about and claim they do report ans it wont be removed thjs is the first time an agency is telling me this so even after paying them they refuse to send a pay delete letter for this to be removed Im not paying them a dime until they do so

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I asked Navient to provide MPN for my student loans that they service. After sending several certified letters I filed a complaint with CFPB. Navient has responded to the complaint through CFPB. However, the information they provide to the CFPB complaint vs the loan details of my account with them are inconsistent. In the complaint they state that they service 16 federal stafford loans disbursed to the University XXXX XXXX and one Federal consolidation loan. None of the loans from my Navient account have the University XXXX XXXX  as the school money was disbursed to ( see attached ). My account indicates that loans were disbursed to The University XXXX XXXX  Navient also has 2 consolidation loans on the account, but in the response to CFPB say they have one ( see attached ). However, Navient has incorrect information and details about my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company has an account on my credit report thats not mine.

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 2019-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Card was charged for something you did not purchase with the card

Complaint:
Merchant, XXXX XXXX, XXXX XXXX, NV, solicited a sample purchase for {$5.00} via an email campaign that did not disclose a requirement for purchasers to make repetitive monthly purchases at 20x the price until cancellation. Order was immediately cancelled upon receipt of billing and the cancellation was acknowledged. Merchant continues to bill repetitively and CapitalOne will not chargeback to the merchant or make good on its fraud protection guarantee. The merchant 's web-site does provide adequate disclosure of a monthly purchae subscription ; but, its email solicitation and purchase confirmation do not. Merchant pretextually provided screenshots of its web-site in a chargeback reversal request and CapitalOne has refused to recognize the difference between merchant 's web-site and the merchant 's email solicitation, the latter being fraudulent. CapitalOne states it only recognizes unauthorized use of credit card as fraud but refuses to recognize that fraudulent misrepresentation is fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit TransUnion report in XXXX 2019 and noticed several unauthorized inquiries. I called TransUnion XX/XX/2019 and informed them that the inquiries were unauthorized and illegal. I called twice and both representatives said that they could not dispute inquiries because they were factual pieces of information on my report. I responded to them by saying that the inquiries were illegal and unauthorized, but also that they were damaging my credit rating and needed to be removed immediately. The FCRA says that lenders have to have my permission to pull the report and provide a firm offer of credit, neither of which occurred with these unauthorized inquiries. On XX/XX/2019, I sent TransUnion a letter listing the inquiries and explaining the same information I did in the 2 phone calls. They did not respond to my letter and the inquiries remain on 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 explanation
Consumer complaint received 2020-11-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. THIS IS THE 4th TIME I have had to complain about my personal information that is not correct : My name is XXXX XXXX XXXX please, please delete any other version of my name. My SS XXXX and is XXXX XXXX. Please delete the following fraudulent addresses from my credit file:XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX. The following phone numbers are not PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting ISSUE Incorrect information on your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes TYPE OF ISSUE Information belongs to someone else mine : ( 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. I have an unverified account from the following companies : XX/XX/XXXXXXXX XX/XX/XXXX # XXXX, XX/XX/XXXX# XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX# XXXX, XX/XX/XXXX XX/XX/XXXX# XXXX. I am filing an FTC ID THEFT report as well as a XXXX Police report. My income was affected due to the COVID 19 PANDEMIC I was never assisted with payment relief under the CARES ACTS! The CARES Act calls these agreements accommodations. I am disputing XX/XX/XXXX# XXXX late payments from XXXX, XXXX, XXXX, XXXX I was told that they would be removed due the the GOV mandated of student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Since XX/XX/2021, Capital One Auto Finance has reported negatively on my credit. It was paid in full by GAP and my insurance company in XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Last year I discovered false accounts with XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the bank and the credit bureaus about it and they told me to file a dispute. I submitted the dispute and XXXX conducted an investigation. The issue was solved and XXXX stopped reporting the accounts. I was notified by XXXX and XXXX that the accounts were no longer being reported and my report was updated. Experian, however still has not updated my report. I contacted them several times without an answer. Please help me resolve this issue 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 non-monetary relief
Consumer complaint received 2017-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT ACCOUNTS PLACED IN MY NAMES WITHOUT MY CONSENT. I GAVE NO ONE CONSENT TO OPEN THESE ACCOUNTS. HERE IS A LIST OF THE FRAUDULENT ACCOUNTS AND THE CONTACT PERSON AT EACH COMPANY. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. EACH COMPANY AND THE PERSON I SPOKE TO. I ATTACHED MY POLICE REPORT ALSO.

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 2017-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Today XXXX XXXX7 I tried to get help to refinance my home through XXXX I tried with bank of America but do n't want to help me the always have an excuse missing paper 'or that I did a bankruptcy ' last excuse was that I have a lawyer and for tha reason they can help me my complaint it 's about fraudulent issues my bank of America never want to help me but because their loan modifications is supposed to be through harp program but it 's was n't they force me to sign through the court system I did n't agree but I had no choice today XXXX  told me they can help me to refinance my loan because my loan is full of fraudulent issues the person told me he does harp loan modifications alot of them nu never seen anything like this one and tha is the reason why the ca n't help me bank of america is used to do this type of fraudulent he told me they got sue for this same issue no long ago as I state here I do n't have a lawyer for this matter but im willing to get o e if the keep. Playing with my mental health

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 2021-05-13
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A man from the phone number ( XXXX ) XXXX ( XXXX, MI ) tried calling me and said he represented CashApp. He tried saying that a transfer of mine wouldnt go thru. I knew this was a scam as I have not made any transfers with Cashapp in some time. He asked for my login credentials and I denied him and asked if he was a scammer. He quickly hung up the phone. I did not fall for his scam but I wanted to report him.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
NMAC ( Inquiry :XX/XX/2019) add a hard inquiry on my credit reports. I did not authorize anyone employed by these company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these company and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file.

Company response to consumer: Closed with explanation