BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-09
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Note : This is separate from previously filed complaints and only refers to the two most recently made payments of XX/XX/XXXX and XX/XX/XXXX. 

Website login gave scheduled payments as above- XX/XX/17 and XX/XX/17. 

Both payments were submitted as scheduled and were properly receipted and reflected in payment history. 

However, neither affected the interest nor the principal balances shown, which remained unchanged. 

In addition, neither payment was reflected in reporting to consumer credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have sent multiple letters to the creditor and CBs about the unknown and unauthorized inquiries on all three of my CB reports! I have called the CBs multiple times and spent several hours on the phone disputing information that was n't mine : multiple addresses ( unknown ), multiple names, multiple social security numbers, as well as phones number 90 % of all my personal information is incorrect! I 've asked for letters of validation from creditors and CBs ; with zero response from the creditors and the CB always saying it 's verified- but never shown proof! When I asked about removing all the incorrect personal information they said I had to reach out to the creditors to clear that up ... and inquiries that I do n't have any idea of they said inquiries are fact, regardless if do it or not, and I needed to contact the creditors -- - THIS HAS BEEN GOING ON FOR 2 years and I do n't know what else to do! Please help! I 've sent all kind of letters and called and sent letters and called -- -- NOTHING!

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 2020-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
XXXX  Credit Reporting company refused to " delete '' two ( 2 ) Hard Inquiries, both of which I've never applied for credit! XXXX  shows one ( 1 ) Hard Inquiry - XX/XX/XXXX from XXXX Credit Card Company. 
However, upon reviewing XXXX 's website WITH HAVING TO PAY for a Premium Revolving charge Membership, I am looking at THEIR report on me and there's two ( 2 ) Hard Inquiries! The 2nd is from Kohl 's Company in XXXX. I never have applied for credit with Kohl 's, either! I already called both Companies and they couldn't confirm or find any application for credit. Both directed me to XXXX  and XXXX  and XXXX XXXX. 
Today, after being told by a fraud department agent named XXXX, that they " XXXX  '' can not and will not remove the 2 incorrect Hard Inquiries. XXXX doesn't want my XXXX  Score to rise. XXXX hung up on me when I asked to have a supervisor contact me. The call ended at XXXX XXXX and my calls are automatically recorded & stored. I'm sure they recorded the call, too. Both Agents were incredibly rude, inept at facts, and evidently weren't trained in U.S. Credit Federal Law. 
My request ... I WANT BOTH INCORRECT HARD INQUIRIES DELETED/REMOVED! 
I ALSO WANT XXXX  TO CRITIQUE THEIR 2 PHONE AGENTS, PRIMARILY, XXXX. 
I can upload the actual phone call file if needed. I will attach the image screenshot of the 2 Hard Inquiries that are on my XXXX  Credit Report. 
Moreover, I'm requesting AGAIN ( 2nd time ) for XXXX  Credit to ALSO DELETE/REMOVE the Indicator of " seeking credit '' from my report and as it factors into my XXXX  Credit Report and ALL FORMS OF MY FICO SCORES, including but not limited to, XXXX, XXXX  XXXX, XXXX XXXX, XXXX CREDIT CARD, etc. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21
Company: BARCLAYS BANK DELAWARE
State: VT
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/2020 I purchased XXXX dollars worth of XXXX outdoor wear from a merchant Name Reliable FB E-Commerce. I never received the items that I ordered. I got a random damaged pair of XXXX XXXX sunglasses, which is what I assumed they used to get their delivery notice. The company was not and has not been responsive. I submitted a claim through my credit card, XXXX. They credited my account then withdrew my credit. Then the credit was reapplied. I called to offer my concern and they said I was past the time limited on a letter I had received which I was working from home and homeschooling my children, I missed the date. I never received what I ordered from Reliable FB E-Commerce and I would just like my XXXX dollars back. Best, 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 monetary relief
Consumer complaint received 2018-12-25
Company: Stevens Business Service, Inc.
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
STEVEN BUSINESS SERVICES HAS LISTED ON XXXX  FOR TOWN OF XXXX WITH NO AMOUNT OWEING - THIS SHOULD BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I recently moved and reported my address change and they asked me to submit documents. So I did so using their website they gave me all they needed at first was a selfie and a picture of my drivers license then I call them they say give it one to two business days. It has been two weeks and they still havent released my benefits and I need to pay bills..

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 2018-07-13
Company: EQUIFAX, 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 XX/XX/2018, I submitted identity theft information to Equifax regarding someone else 's information that is being reported on my credit profile. Enclosed in the packet was information from a lot of service providers who were attempting to collect on an alleged debt. This information was directed to a XXXX XXXX, and this person is not me. However, On XX/XX/2018 I received a document from a third party agency name XXXX. This company enclosed my entire identity theft packet. ( XXXX XXXX ). It included that Equifax was the company who sent them the packet. This packet included a lot of information regarding other companies. Equifax released all my PRIVATE information to a company who I do not know and this is a breach of Privacy. I am very upset as to what this has done. Now all my information is vulnerable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Paypal is trying to hold my money {$430.00} for 180 days after all the items I have sold have been confirmed delivered. Paypal wants to hold my money to XX/XX/2018, which is ridiculous. Paypal is not paying me any interest for the amount of time they are holding my money. I would like my money released today. I have called and tried to reason with Paypal on 2 occasions, but they are uncooperative. My paypal account email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: RS Clark and Associates, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original company XXXX XXXX is trying to collect on an incorrect amount, and has placed it on my credit, in addition to selling account to RS Clark and Associate XXXX in the amount of {$200.00}. I made the last payment in XX/XX/XXXX on the date of invoice for XXXX. I purchased new washer and dryer, and had asked them to please pick up lease XX/XX/XXXX. I only owe for XX/XX/XXXX, and possibly XX/XX/XXXX. the company took their time picking up merchandise, and still charged me until XXXX/XX/XX/XXXX. Please see all attachments. This incorrect derogatory collection has caused my XXXX score to decrease to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: Navient Solutions, 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: Account information incorrect

Complaint:
I have called Navient due to fluctuating amounts due on each of my student loans every week the prices reporting on my credit score fluctuate from owing 3k to 4k to an  increase of 8 to 9k. This is inaccurate beyond belief. My student loans are already investigation for student loan forgiveness from attending XXXX. When Sallie Mae which everything over to Navient, I've had nothing but issue they report late charges when I never had a single late charge and this goes on for months. I contacted them and they told me there was nothing they could do. This company is a fraud! Gouge students loans so not only will they never pay them off but effects everyone 's credit scores, this is a negative ripple affect. This needs to be addressed and taken care of not only for me but 1ks of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
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:
I am filing this complaint because TransUnion had a computer glitch that caused my inquiry to be deleted and then they later re-added the inquires without providing me with the legally required written notice five business days of the reinsertion ( FCRA Section 611 5 ( b ). I contacted TransUnion on XX/XX/XXXX @ XXXX XXXX EST and spoke with XXXX XXXX XXXX a customer service representative who were unable to confirm that the Security Breach happened not once but twice in XX/XX/XXXX and XX/XX/XXXX. In good faith, I asked her to have the inquiry removed due to it being illegally re-added. However, she refused to fix their error on my credit report. I then asked to speak with someone in the Special Handling department and and I spoke with XXXX XXXX XXXX a supervisor around XXXX XXXX  EST and she said she wasn't aware of a computer glitch and could not help me, So I said thank you and hung up the phone. I then called back around XXXX XXXX EST and spoke with XXXX XXXX XXXX  a customer service representative who did confirmed that TransUnion had computer glitches in XX/XX/XXXX and XX/XX/XXXX. In good faith, I asked her to have the inquiry removed due to it being illegally re-added. However, she refused to fix their error on my credit report. I then asked to speak with someone in the Special Handling department and I spoke with XXXX XXXX XXXX a supervisor around XXXX XXXX EST and she also confirmed that there was computer glitches in XX/XX/XXXXand XX/XX/XXXX and In good faith, I asked her to have the inquiry removed due to it being illegally re-added. However, she refused to fix their error on my credit report, So I said thank you and hung up the phone. These inquiries adds a hardship to me and my family and my rights were violated by TransUnion. This is suppose to be a respectable Credit Reporting Agency yet they are violating consumer rights and victimizing us. This company should not be able to get away with this. I'm asking that CFPB help me make TransUnion stop victimizing me. I'm asking as a resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added. PLEASE!!! Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions Inc.
State: FL
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:
There are 2 accounts somehow reporting late and I think this is wrong see letter attached

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 2018-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was under the impression that a deposit would be clearing into my account on XX/XX/XXXX, however it didn't until the XXXX due to the XX/XX/XXXX Holiday. During that time, there were a series of small transfers from my account to a mobile app which essentially ended up amounting to 13 overdraft fees for {$35.00}. When I called to notify them of the clerical error & to ask why my account was avalanched with 13 fees or even allowed to continue to process payments & to seek relief of the charges, they notified me that since It wasn't a banking error that they were very limited to the assistance they could offer me.

I just think this is extremely unfair, especially seeing as how my account would have been well in the positive had the initial deposit cleared in time & the excessive fees of {$450.00} had not taken place. I am a small business owner that has been what I thought was a business partner to Bank of America for over 3 years now, even opening two merchant services accounts through them for my Bar in XXXX & also establishing a line of credit with them as well & for them to treat me like this is utterly unfair & deceptive from someone I've been in business with. This is even after I expressed to them that I'm still in the process of recovering from the recent floods that hit the area.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-13
Company: CITIBANK, N.A.
State: MN
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 held a credit card with Citibank for which an annual fee was billed to me on XX/XX/2018. A couple of weeks later ( on or around XX/XX/XXXX) I discovered that Citibank had unilaterally closed all of my accounts with the bank.

When I called Citibank to discuss the annual fee after learning my account had been closed, the representative informed me that since the account was closed within thirty days of the fee being billed, the fee would be automatically refunded.

When the following statement came with the amount still listed as past due, I promptly called Citi and a representative assured me the refund would be issued on my next statement. Of course, that didn't happen either and when the next statement came, I was pretty upset to see the amount still being billed to me.

As a result of my next call to Citibank Customer Service on XX/XX/XXXX, I was informed that " since the account was closed, the membership fee will be credited within 1-2 billing cycles. '' My latest statement still showed the amount past due, but since the previous phone rep had quoted me at 1-2 billing cycles it seemed pointless and unnecessary to call customer service again.

I happened to log into my online account this evening for an unrelated matter, however, and saw a notice that the account in question is now being sent to collections.

I have attached my statements related to this account since this issue began ; however, please note that Citi 's statements do not accurately reflect that the account is closed. Each statement shows an available credit limit of {$5000.00}. Therefore I am also attaching a screenshot from my online account that correctly indicates the account is closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
on XX/XX/XXXX I called Transunion in regards to hard inquiries that were removed, then reinserted on to my report without receiving any notice ( FCRA Violation ). I was hung up on by the representative ( XXXX  ) after he refused to remove them. The Inquiries in question are as follows : XXXX reinsertedXX/XX/XXXX XXXX XXXX XXXX XXXX reinserted XX/XX/XXXXXXXX XXXX reinsertedXX/XX/XXXX XXXX XXXX XXXX reinserted XX/XX/XXXXXXXX XXXX XXXX XXXX reinserted XX/XX/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 2020-12-09
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Hello These 2 Address are showing up on my report and I have never lived there. 

XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
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:
missing my XXXX AU card of {$25000.00} please add 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 2020-12-09
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 is missing that should be on the report

Complaint:
missing my XXXX AU card of {$25000.00} please add it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: AZ
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: KEYCORP
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a prepaid debit card from KeyBank/XXXX XXXXn the mail today. I did not apply for unemployment. I have been retired since 2006. It appears that someone filed for this in my name. 

I want the card canceled, and written proof of that action. 

I attempted to contact both the XXXX and KeyBank and was stepped through telephone prompts in a circle at both agencies. 

Please assist in getting this rectified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Diversified Adjustment Service, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Diversified Adjustment CenteXXXX keep calling but won't give the reason they are calling XXXX or XXXX times a day. They ask me for my information or just hang up everyday. Their number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have contacted the bank several times regarding funds that was deposited into my account after it was closed. Initially I was told the account was closed XX/XX/XXXX however when I called late XXXX it was still open and it was again closed that day. I called regarding a refund from XXXX that was never dispersed. They said they do not have proof that the refund was returned ( Huntington ) after 2 hours and 4 employees later a supervisor said that a statement stating the account was closed XX/XX/XXXX could be used as proof, 15 days later and its just a statement no letter of account closure I can not access this account online to ensure I am not being charged. Please help XXXX just wants proof the refund was returned or that the account was closed.

Company response to consumer: Closed with explanation