BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-17
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: Account information incorrect

Complaint:
Experian is a fraudster company -- they work for the banks so all they want is to help the banks capture your property. They do not provide a way to dispute credit iu=inquiries which can affect your credit score. The people there are abusive and frustrating. They say they will call you back and they DO NOT. These people should be exposed for the scam to consumers that they are.

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: AMERIS BANCORP
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Closed / settled account falsely claimed as open and overdue. Ameris Bank is falsely claiming I have an overdue account with for an Auto Loan with account number. It was resolved on XX/XX/2015. Payment was made to XXXX XXXX XXXX XXXX and I have a copy of both the invoice, the payment receipt, and the settlement offer. 

It appears this account may be a transfer from XXXX XXXX as the account was originally opened with XXXX. I suspect at some point during their merger they reactivated my account and started falsely impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions This account is showing inaccurate information 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 non-monetary relief
Consumer complaint received 2021-02-11
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: SANTANDER HOLDINGS USA, INC.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
So got a car loan through Santander consumer they was calling and harassing me over and over while I was at work then would get irate with me because I wouldn't answer I would tell them I was at work I can not be on the phone but they continued. I never received any bills in the mail nor email telling me I owed I would make an arrangement they never put a promise to pay and repoed my vehicle before I could make the arranged pay then when I called to see how to get it back they wanted to charge me XXXX to get back said that's the whole loan amount plus fees and tow bill and my address was never on file they never documented it when I called to give them my address and my name was wrong on the account I seen there was a class action lawsuit but idk if I could do anything and I lost my job that I was at for yrs because lack of transportation because of them. I never received any warnings other than they irate calls while I was at work I do not have any documents because they never sent me any

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: NY
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:
XXXX is XXXX XXXX not XXXX XXXX in which shows on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$310.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT XXXXXXXX XXXX XXXXXXXX XXXX XXXX ACCT # XXXX opened on XX/XX/XXXX with a balance of {$310.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019, several transactions occurred on my checking account that I did not authorize. I filed a claim with Capital One and they denied it. I did not make any of these transactions and I need my money back. 

XXXX {$87.00} XXXX  XXXX {$160.00} XXXX  XXXX XXXX {$58.00} XXXX XXXX {$150.00} ATM WithdrawalCAPITAL ONE {$200.00} ATM WithdrawalCAPITAL ONE {$800.00} TOTAL - {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: MS
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 a bankruptcy on my credit report that should be off my credit report. It's been 7 years and it's still on there. I'm asking for it to be removed all of the other creditors has deleted it off my report. Thanking you in advance.

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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 discovered some inaccurate information in my credit report after looking into it. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), the three credit bureausmust authenticate these items ( 1 ). ( A ). If no proof is provided within the specified time frame, it is unacceptable to classify these reporting items as unverified information. Specifically, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), kindly look into the unverifiable items right away. 
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient provided incoherent response to my previous complaint. 

Company 's Response Thank you for reaching out to the CFPB with your concerns regarding your student loan account. Our records confirm that your Income Based Repayment ( IBR ) renewal was processed on XX/XX/2020 ; however, in response to the impact of COVID-19, on Friday, XX/XX/2020, President Trump announced that the U.S. Department of Education ( ED ) will waive interest on all federally held student loans and automatically postpone payments through XX/XX/2020. Your interest rates have been reduced to 0.00 percent during this period. Interest that accrued prior to the suspension will remain your responsibility. During this time, no payment will be due. This forbearance will not count against your voluntary forbearance time. Although you will not be required to make monthly payments during this specific administrative forbearance period, payments you would have been required to make under IBR through XX/XX/2020 will count toward loan forgiveness provided all other qualifying factors are met. If you choose to make payments during the administrative forbearance period, you may do so ; however, youll need to make those payments manually ( not through auto debit ). Well communicate with you in XXXX to help prepare you for XX/XX/2020, when the 0.00 percent interest rates and administrative forbearance period ends. Theres no other action needed, unless you want to opt out of the administrative forbearance weve placed on the account. If you want to opt out, well remove the administrative forbearance and youll be required to make monthly payments. The 0.00 percent interest rates will remain in effect, will not be charged interest through XX/XX/2020, whether the forbearance remains in effect or not. 

Navient unilaterally assumed I did not want to start making payments on my IBR plan. Their assumptions ARE INCORRECT. 

SEND IBR PAYMENT AMOUNT DUE NOW!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: Finance System of Richmond, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the debt in full on XX/XX/2019. I was told it would take a up to a month to remove the derogatory mark on my credit. I have waited patiently and yet the mark still remains. I need this mark removed as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX CFPB Cases XXXX, XXXX, XXXX This is the FOURTH complaint. CapitalOne did not resolve this issue again, and the answer is incorrect about what happened. To clarify it : The answer given by XXXX XXXX stated : " Our records confirm, on XXXX XXXX, XXXX, you contacted us to close your savings account ending in XXXX. We confirmed that the remaining funds from your savings account of {$2200.00} were mailed to the above address on XXXX XXXX, XXXX ''. That is NOT CORRECT and to prove it I got today from a forward USPS services the check with the WRONG amount of {$110.00} with the WRONG address as well from XXXX Attached. The total stated in their answer IS NOT CORRECT! The exact amount is a total of {$2300.00}. Details XXXX - {$110.00} XXXX - {$2200.00} I did call them and they confirmed by their support ; they have made a mistake sending this check the WRONG ( old ) address. This confirmation is registered in this " XXXX XXXX '' XXXX. Now the bank is requesting me to sign an AFFIDAVIT letter? I wo n't sign it. I have bills to pay, and I 'm not PAYING it because the mess caused by them, I just want ALL my money back ... just that. When I have requested to close my account, I was there in person with my Florida driver license in hands for address confirmation, and that was handled in person by their own personal. Please, I need to keep this complaint open, since this is not addressed yet ( it 's taking months ). CapitalOne is not solving it the way it should I need the remaining balance in a check to my correct address, or I look for a lawyer to get my rights since it 's now proven you guys did send it to the wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27
Company: WELLS FARGO & COMPANY
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 AM VICITM OF AN IDENTITY THEFT, AND EVERY TIME I CONTACT WELLS FARGO AND I TELL THEM I AM VICITM THEY ASK ME TO SEND TO THEM MY IDENTITY THEFT STATEMENT ALONG WITH A STATEMENT FROM ME EXPLAINING MY SITUATION, SAME THING WITH XXXX, THEY ASK ME TO SEND THEM MY IDENTITY THEFT REPORT, ALONG WITH MY SOCIAL SECURITY CARD AND DRIVER LICENSE, THEY PROBABLY HAVE OVER 20 COPIES  OF ALL THEIR REQUIRED INFORMATION, AND THE FRAUDULENT ACCOUNT IS STILL ON MY CREDIT REPORT. THE CHARGES ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT, THIS ACCOUNT WAS OPENED WITH OUT MY CONSENT.

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 2021-05-03
Company: EOS Holdings, 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 reviewed a copy of my credit report and I show company EOS CCA ( Original Creditor : XXXX XXXX XXXX  ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX granted me a deferment/ forbearance on my student loan for XX/XX/2020 but they also placed the late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase closed my account on XXXX XXXX. I went into their XXXX XXXX XXXX. XXXX Texas location on XXXX XXXX. I was told by an officer that I would receive the money in my account in no later than 10 days. It has now been 15 days and I have not received my money. An employee check bounced on XXXX XXXX and I need to pay her.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Starting on XX/XX/XXXX, I've been receiving daily calls from the caller ID " Portfolio Rcvry '' ( a.k.a. Portfolio Recovery Associates ). The phone numbers and cities associated to Portfolio Rcvry are always different every time they've called me, I've never received a validation notice in the mail, and I can verify that my credit report and score do not show any owed debt -- this leads me to believe that this is a scam, and as a result, I've never picked up the phone when they've called. 

However for the first time, one of their employees who claimed their name is " XXXX XXXX '' left a voicemail message on XX/XX/XXXX at XXXX XXXX  PST saying the following : " Good afternoon, this is XXXX XXXX, and I have an important message from XXXX XXXX XXXX . ' This is a call from a debt collector. Please call XXXX. '' I would like for this company to stop calling me as it's harassment and I have no owed debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27
Company: OneMain Finance Corporation
State: GA
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 I reviewed my credit report and found 60 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27
Company: ID Analytics, Inc.
State: AR
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:
In XXXX I applied for a XXXX XXXX card to receive an additional 10 % discount on an order. They said they would mail me a letter. I received the attached letter from XXXX XXXX  saying I had not been approved because the consumer report stated the applicant was deceased. ( Attached Ex A ) I was not then or am I now deceased. I called Sagestream 10 times and left a voicemail requesting a copy of my report they sent to XXXX XXXX  for XXXX XXXX and requested a return call to discuss this issue. I never received a phone call. I made 4 request online and the Sagestream website for the said report. The letter States I can receive a copy of the report if I request within 39 days. I never heard from Sagestream. You can not get through to a person no matter what number you push when you call the number on the letter. XXXX I received the letter attached from Sagestream without a copy of the report stating that my XXXX score was XXXX and the following : *When consumers SSN was issued compared wit *Limited history for consumer at this phone *Limited history at this address *Number of inquiries *Inquiries did adversely impact score So now I'm not deceased I have all these other issues. I am a widow on XXXX and my credits not perfect now but I've come a long way since after my husband died suddenly 4 years ago. My credit score with XXXX  and XXXX  is between XXXX-XXXX. I have read Sagestream does some other kind of scoring. 
I want a copy of the report they sent to XXXX XXXX  that I requested via phone and online within the 30 day period. I want this corrected and a copy of the corrected report. I also want to opt out of anything with Sagestream , LLC. This has been a nightmare over a 10 % discount for XXXX XXXX but Sagestream didn't do due diligence on this and needs to make it right and send me the copies I hab requested. No company should have the authority to make a mistake and then just ignore it hoping it goes away and not ever sending the consumer the correct information. What if this had of been a mortgage loan? Or car loan? Please look into this and that appreciate your help in this matter. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, At XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Experian Information Solutions Inc.
State: NV
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 found multiple items on my credit report that I never applied for or ever had. I sent disputes letters information the reporting agencies of these inaccuracies and have not received any response to my disputes.

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 2021-05-24
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: Credit inquiries on your report that you don't recognize

Complaint:
THESE CREDIT INQUIRIES ARE UNAUTHORIZED AND NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

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 2018-10-17
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2015 I opened an account with XXXX. The account was supposed to be closed. I got a derogatory remark on XXXX credit report stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my reports.

Company response to consumer: Closed with non-monetary relief