BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-12
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Issue: Payoff process

Complaint:
I opened a Credit card account with Santander in XXXX and took a Promo Balance Transfer of {$4500.00}. I also did some purchases and keeps on paying all by purchases in full plus any fee and minimum payment on Balance Transfer. According to guidelines, the payments that I am making should be first applied to Fee & Interest then higher APR bucket. But, they apply payments to my Promo Balance transfer which does n't clear my Purchase balance and then apply Interest on my Purchases. 

I would like to explain this based on my XXXX 2016 and XXXX 2016 statements, which I will be attaching. In XXXX, I made {$4500.00} in Balance Transfer, XXXX in Purchases and {$130.00} BT fee and paid {$700.00} in payments even before statement is generated. 

In XXXX 2016, statement I have payments of {$1100.00} which is made before my XXXX Statement Due Date of XXXX XXXX 2016. Based on these payments, my Purchases and Interest & Fees of XXXX XXXX should be cleared and minimum payment on Balance Transfer should be covered. But, since they applied good chunk of payments to Promo Balance Transfer, Purchases are not cleared and it is rolling over and charging me interest on purchases in each statement. 

Now, its an ongoing issue as I am still making payments higher than purchases, but it is not clearing total Purchase balance. I have contacted them multiple times but they just keep on stating there same policy documents. I have even asked for written explanation of methos the payments have been applied, but they have denied it twice asking me to refer to card opening documents. According to me, they are not following there policy of applying payments to higher APR balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On XX/XX/2019, A representative from a company called XXXX called my downstairs neighbor whom I barely know, since I just moved here in XXXX of this year to ask if she knew me. Navient has ALL of my correct contact information and I believe they are using this company as a way to try and embarrass and harass me into setting up a payment. This is intimidation and harassment. They know where I live and have all of my phone numbers. You're hiding behind XXXX as a way to harass and intimate people. To make matters worst my neighbor is XXXX years old, on an XXXX XXXX 24/7 and XXXX XXXX XXXX up steps, but because she was concerned that it might have been something important she walked up to the 2nd floor to tell me about a call she received from me. This is ridiculous and has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: EQUIFAX, INC.
State: NC
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 file has been handled by a the Equifax consumer affairs department since XXXX. When it was first placed there I inquired as to why and how long it would remain there. I was told that it was for my protection and it would remain there indefinitely. That could be from a week to years, they could n't be sure. So I waited thinking this would be an added since of protection. Well it has been 6 + years and it has been worse than being a victim of fraud. They have taken my legal right to monitor my credit report with Equifax from me. This department is very nasty and unprofessional. They do n't have set hours. In fact, when I called in today at XXXX am, I was told that they were closed. When I inquired as to the hours of operation I was told that they did n't have set hours of operation by a representative by the name of XXXX. What kind of company does business like this? I now have to wait for them to call me back one day this week to address my credit file listed with Equifax. How is this legal? I have resolved all issues with both XXXX and XXXX XXXX without these types of problems. I should be able to access my credit report. It 's my right to. Furthermore, I have received notice from several creditors stating that they have investigated the fraudulent accounts and the resolution was in my favor, so they requested that all XXXX bureaus remove the accounts from my report. Yet Equifax, for years, has claimed to have verified these accounts. How is this possible? Also, in response to my complaint against them earlier this year, they stated that they needed verification on my identity to provide me with access to my credit file. The funny thing is that I have provided that information several times over! Yes they have sent me a copy of the inaccurate report but have been of no assistance in me addressing those inaccuracies and correcting my report and its reflected history. I am requesting that my file be released from this department as they have proven to be nothing more that an inconvenience and problem for me. It is my right to request this! I am including in this complaint a copy of my driver 's license, my social security card, a current utility bill as proof of address, a notarized copy of my FTC Identity Theft Affidavit, a copy of my police report as well as a few letters from some creditors stating that they asked for accounts to be removed. Please help me close this ugly chapter of my life and move on! I need resolution and to end the mishandling on my file with Equifax. It 's been far too long!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Between XXXX XXXX XX/XX/2020, this has been a nightmare of not getting anywhere. I am very frustrated and feel like am being bullied and push in a corner by EXPERIAN, XXXX and XXXX, alleging that am a fool and could not be writing intelligently and i have no rights to communicate anybody as i must deal with them only. what a shame that me as consumer being bullied by the big companies. I feel like when i was in prep school.. i am asking you to help as i still have freedom as a consumer to legally communicate with who has my personal info and causing my unhappiness. 
Do they have a right to just ignored my request and pushed me in a corner and dictate how i should only communicate. Really?

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 2022-03-22
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by a XXXX XXXX XXXX XXXX  ( the Scammer ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing coinbase services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2021 I realized my Bluebird by American Express account balance was depleted this is the account where my paycheck is direct deposited every pay. I logged onto my online account and noticed charges were made that werent mine I immediately called customer service and disputed the charges I was sent a declaration of fraud which I did complete and send back to American Express bluebird several weeks went by without funds in my account and I heard back thatThat the charges werent unauthorized and I would not be getting any restitution however the charges were unauthorized I did not make the charges and I am out money from my work paycheck and it has caused a major life struggle

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX was assigned by XXXX XXXX to collect a debt, on XX/XX/2018 I called XXXX XXXX  and paid the amount of XXXX to close the account with debt paid in full. I spoke with a man who identified himself as XXXX, the calls are recorded so there should be a recording of what I report. He did ask me if my bank account was frozen, maybe not the exact words, but I replied no, not that I was aware of. I later discovered their was a garnishment against my account, actually 2 accounts but there was enough to cover it in one account. I called back and explained that I needed the hold released because it was my mortgage and I had already paid it. He stated that they could not release it so I ask if I should stop payment on the payment I made by phone because I didnt want to pay it twice nor could I afford to. He informed me that if I did that it would make the process longer, but would not give me an amount of time it would take to return the money to my account. I have since had several conversations with different staff there, some, well most of which are extremely rude, and I have spoke with my bank and the court clerk. The courts filed the release on XX/XX/2018 and the court sent the money to XXXX XXXX. I called again and requested one of my 2 payments be returned at which they replied ; they have not received it. I understand the need to collect a debt, but no one should be allowed to hold your money indefinitly just because they want too, if that were the consumer we would be required to pay interest. This is an unfair practice and should be looked at by government officials. The average working person could lose thier home, car, or anything with the loss of that income for months and who knows how much longer. Consumers deserve to be protected from this type of business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I disputed an error on my credit report in XX/XX/2017. I have no heard or received an update from trans union. Each time I follow up Im told they are still investigating the matter.

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 2018-09-28
Company: AES/PHEAA
State: TX
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 keep getting inconsistent information from XXXX on what to do in order to manage my loan, and I can not get them to give me any of this information in writing. On XX/XX/XXXX, as instructed, I submitted an application for IDR, as instructed. I uploaded an application and a copy of my tax return. I was told it was pending and that the XXXX portal would contain more information about my status- you can see from the screenshot of my inbox there is no such information, nor did I receive and e-mail. On XX/XX/XXXX, I made my monthly ( I say monthly because I waste a few hours of my work day on the phone with them on a monthly basis ) trying to get information. They said that I would be placed on a forebearance while my application was expidited. Today I looked and my bank account ( see screenshot ) was debited, even though I had a forebearance. I filed a dispute with my bank. 

My general issue is that I can not get consistent or written information from this service about what I need to do. Spending hours on the phone every time there is a status change to my account ( There is bi-annual paperwork to resubmit for PSLF ) is not something I should have to do. 

Furthermore, I have requested 3 times, over the span of 9 months that I get in writing what payments have counted towards PSLF and distinct instructions on what to do ... to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: URS Holding, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I contacted ERS in an attempt to set up a payment schedule. I was told that if I did not adhere to their payment schedule which I am unable to afford at this time, that that they would report my account as delinquent and that I am refusing to pay the debt even I am making payments towards the debt of {$20.00} month which I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Experian Information Solutions Inc.
State: MD
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: Problem with personal statement of dispute

Complaint:
Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debit. But how is that possible? Under the laws of the FDCPA, I have contacted the collection agency XXXX XXXX XXXX myself, and they have failed to provide me with proper validation according to the FDCPA as I requested. 

I have enclosed copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent this letter by certified mail. I was given an Account Summary Report and no evidence of my obligation to pay this debt to the originator or this collection agency. This debt is not mine. This is NOT a valid form of validation of debt per FDCPA. 

The validity can not be properly verified and you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you continue to report it on my credit report, I will find necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims in my area. 

I look forward to a swift and amicable resolution to this matter.

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 2017-09-19
Company: Experian Information Solutions Inc.
State: CA
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:
Experian and it 's entities pulled 35 separate inquiries from XXXX thru XXXX and 21 inquiries specifically in XXXX. The names used created 8 separate line items cic/Experian identity check, XXXX XXXX XXXX XXXX XXXX cic/ experian creditworks, cic/ experian identity ch, and Experian 3 times different line items and addresses. The different addresses include, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ca XXXX, XXXX XXXX XXXX XXXX tx  XXXX, no address, XXXX XXXX XXXX XXXX tx, XXXX, XXXX XXXX XXXX, XXXX, ca XXXX XXXX XXXX XXXX XXXX ca XXXX. Different phone numbers inckude 4 line items with no phone number and 2 line items with phone numbers not in service

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 2022-11-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-06-03
Company: The Outsource Group, Inc
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The problem is that the company has reported these medical bills to the credit bureaus, which I thought was illegal at one time. IF their action is still illegal, then I would like the negative account/remarks removed from my credit reports ( XXXX, XXXX, and XXXX ). If not illegal, then ok. I have already called them and made a payment arrangement with them ; however, as before stated, I am questioning the legality of the reporting of the matter to the credit bureaus, with the result that this is showing up on my credit reports as a negative account and is adversely affecting my credit scores. I would like this matter to be resolved. Please advise, and thanks.

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 2018-07-17
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposit my payroll check via KeyBank mobile app on Thursday, XX/XX/XXXX. On Friday, XX/XX/2018, I learned that my payroll deposit was placed on a 7 day hold. Now, KeyBank is charging me over draft fee ( s ) when in fact they have my mobile deposit.

I have tried to resolve this issue with KeyBank Customer service, Bank branch teller & manager, Mobile department, and their Executive office. No one seems to be able to tell me why the hold was placed on my deposit or remove the hold. I was told that I will be contacted in 1 to 2 business days and I have not been. This is very concerning to me as there is a staffing issue to resolve my issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$290.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX  XXXX Balance : {$19000.00} XXXX  XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX  XXXX Balance : {$19000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX  XXXX Balance : {$19000.00} XXXX  XXXX Balance : {$20000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: OR
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXXXXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX OR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR 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 2016-08-26
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I started investigating my credit report in XXXX of 2016. I requested my report from Equifax and received a report dated XXXX/XXXX/2016. On or around XXXX XXXX I sent a dispute to Equifax concerning an account I had no knowledge of. I received a notice from them on XXXX XXXX stating that they could not verify my identity and needed more information to process my dispute. So on XXXX XXXX I resent my request with the supporting information they requested and I have not received any response from them. I am filing this complaint because I have made at least XXXX requests for an investigation and have not received a response regarding the erroneous information on my credit report.

Company response to consumer: Closed with explanation