BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-13
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
In the last few months I have contacted XXXX in regards to an inquiry on my credit report that was never approved. I have been told that I would need to contact the company that the inquiry was sent from. When I contacted the company I was made aware that they did not have any record of my information and could not provide proof that an inquiry was acquired through them. They me that XXXX would have to remove the inquiry. Today after learning about a glitch that XXXX had with their system around the time that the inquiry was placed on the report I called and spoke with XXXX XXXX in the Special Handing Department in Pennsylvania. I made him aware of the run around that I have faced and that the inquiry was placed on my report during the time that the glitch with the system occurred. I made him aware that the company in question did not have any record of me inquiring service with them and that I personally never did. He informed me that there was nothing that could be done even though the information was in fact false. The inquiry listed on my report states " XXXX ''. <P/>There has also been recent inquiries that were never authorized by me in XXXX XXXX. I placed fraud protection on my credit report a requested that these inquiries be remove as well. XXXX response was that " moving forward the fraud protection will help protect me, but the present inquiries would remain ''. That is even if they were not approved by me.

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 2017-07-13
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
In the last few months I have contacted XXXX  in regards to an inquiry on my credit report that was never approved. I have been told that I would need to contact the company that the inquiry was sent from. When I contacted the company I was made aware that they did not have any record of my information and could not provide proof that an inquiry was acquired through them. They me that XXXX would have to remove the inquiry. Today after learning about a glitch that XXXX had with their system around the time that the inquiry was placed on the report I called and spoke with XXXX XXXX in the Special Handing Department in Pennsylvania. I made him aware of the run around that I have faced and that the inquiry was placed on my report during the time that the glitch with the system occurred. I made him aware that the company in question did not have any record of me inquiring service with them and that I personally never did. He informed me that there was nothing that could be done even though the information was in fact false. The inquiry listed on my report states " XXXX ''. <P/>There has also been recent inquiries that were never authorized by me in XXXX 2017. I placed fraud protection on my credit report a requested that these inquiries be remove as well. XXXX response was that " moving forward the fraud protection will help protect me, but the present inquiries would remain ''. That is even if they were not approved by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my loan and was told that the payment was not due until XXXX and that if I started to pay the note earlier I would not have to pay interest and the entire payment in XXXX, would go to the principal. I called on this matter and they said that they would correct it but I looked over my payment record and it still shows that the payment was collected to interest and not all of the payment in XXXX went to principal. The main reason I paid the note earlier than required was to have the early payment go towards the principal only. I checked the history on the web site and they did not do what they said that they would do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: U.S. BANCORP
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Back in XXXX, I opened a checking and credit account as a business partnership with another individual. Shortly after opening the accounts I decided to end to the partnership. 
I had gone in and closed the business accounts. Both accounts had XXXX balance. They did end up closing the checking account at that time, but I was still getting emails and mail about the central credit account associated with the account. I ended up going to the bank about four separate times to see why I was still getting mail and to confirm that they closed it. I finally stopped getting mail in regards to the account, so I was under the impression they had finally fixed the problem. Fast forward to XX/XX/XXXX and I get a call that the account was over due with a balance of over {$20000.00}. I then went in and and they said the account was still open and closed it and that the partner associated on the account under his card had racked up a bill and had used it to pay for his wedding. The account was at XXXX balance for over 4 years and suddenly they have these charges on there. They basically just told me to pound sand and there was nothing they could do to get this out of my name. I contacted accountant, lawyer and police and was told that i could have him arrested over it but my best option was to just let it be if he kept on payment. He had up until recently so now it is in collections under my name even though the card that was charged is under his name. US bank failed in their fiduciary duty and has created a great deal of emotional stress for me and my family over this as well as hurt my credit. They also allowed this account to go from {$7000.00} credit line when it was originally opened to over {$17000.00}. They also will not give me exact dates or specifics that I have been asking for. I am at loss for words on how they could let this happen.

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 2022-02-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I XXXX XXXX sent letters in mail back in 2021 certified mail. Experian will not remove even though i advised of non delivery and who did you verify with because advised in letter correct address but still have an address not mines.

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 2017-07-13
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I opened an Business account with Wells Fargo and when I started it I was the only person on the account with only my information. 5-6 months later a person 'a name unknown to me had her name as secondary person for my emails. I talked to someone in their fraud division and filed a complaint. They did n't know who was and have n't given me any information about this

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 2017-07-13
Company: Experian Information Solutions 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:
I learned my drivers license was stolen. The spelling of my name have been changed in probate court. It is now XXXX XXXX XXXX-driver license number is ( XXXX ). The names I 've used in the past are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. My XXXX XXXX XXXX account number at XXXX XXXX XXXX was XXXX. I purchased the property on XX/XX/XXXX. XXXX XXXX annexed in XX/XX/XXXX. I do n't know why the bill do n't show the account number when I purchased the home. Unless I have a victim all those years. I know the XXXX XXXX have always stole utilities. From XXXX when I filed bankruptcy. My last employer was XXXX XXXX XXXX XXXX -from XX/XX/XXXX-XX/XX/XXXX the company EIN number is XXXX. Prior to XXXX XXXX I was employed with XXXX XXXX. Their EIN number is XXXX. XXXX XXXX XXXX EIN number is XXXX. I was employed with XXXX XXXX in XXXX. The case numbers I 've had in wage earner court are XXXX XXXX & XXXX My history have been deleted from the courts by XXXX XXXX & XXXX and XXXX XXXX XXXX. My past addresses are XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN , XXXX XXXX XXXX XXXX TN . XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX Tn XXXX XXXX XXXX  XXXX TN XXXX. My mother social security number is XXXX she XXXX XXXX XX/XX/XXXX. Her name is XXXX XXXX XXXX. My father social security number is XXXX he XXXX XXXX on XX/XX/XXXX-his name is XXXX XXXX At. His social security appears to still be active. Sisters, brothers, their children grandchildren, XXXX XXXX and all are using the XXXX social security number. A fraud alert was placed on my credit report by Attorney XXXX XXXX without my knowledge for seven years.

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 2019-08-01
Company: EQUIFAX, 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:
The following accounts were on my credit report as Charge off with balance : XXXX XXXX - XXXX, the payment history of late payments are completely inaccurate, and lacking. Date of last activity is not correct. Please remove this account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Reviewed my credit report and there is inaccurate information that has been reporting. I'm a retired veteran and need assistance with housing and these inaccurate remarks is hindering me in getting the help that I need for me and wife that is sick and has had XXXX XXXX  in the past year. Could you please help and make sure these accounts are updated and all negative and collections are removed immediately thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XXXX XXXX 2017 I called Transunion because I noticed that some inquiries that had been previously removed had reoccurred on my report. I spoke with a representative by the name of XXXX. XXXX was very rude and impatient. When telling XXXX the reason for my call XXXX replied that no inquiries were re- reported to my account according to her computer screen. I informed XXXX that I am very much aware of my rights and that I would like for her to send me a picture or document of the screen that she 's referring too. XXXX responded by saying she has verified the information for me. I constantly told XXXX that this information was accurately reported and that I was not mailed a 5 day notice prior to the re-insertion of the inquiries which is FCRA law. Any computer glitches that takes place is not a problem of the consumer ( me ) but the company ( Transunion ). I felt the need to contact Transunion in good faith to ask that the inquiries that were legally re-inserted be removed.

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 2017-07-13
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I would like to receive my payment history ( date and amount ) from XX/XX/XXXX - XX/XX/XXXX from Navient. <P/>On XX/XX/XXXX at roughly XXXX EST I spoke with XXXX and I was told this information is not available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: RSI Enterprises, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
the original debt was to XXXX XXXX XXXX in XXXX and they were instructed to submit the claim to insurance company. the original claim was denied but in XXXX the claim was accepted by XXXX insurance. ask XXXX XXXX to resubmit. i also ask them for a complete statement of charges which they never provided. i made several payments and then they quit billing me. about 6 months later RSI ENTERPRISES sent me a notice they had a unpaid debt. payments that i had made to XXXX XXXX XXXX  had not been credited. i am ask for a statement. finally in XXXX they sent a statement and verified that payments had not been made. now they have just completely quit billing me and have not sent me a statement since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX / XXXX / {$17000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a consumer who spoke with XXXX on XXXX XXXX in XXXX, Texas Fraud Department who asked for me to provide a copy of my XXXX report in order to have fraudulent information blocked and deleted within XXXX business days. Here is a copy of the XXXX  attached 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 non-monetary relief
Consumer complaint received 2017-07-13
Company: AES/PHEAA
State: AR
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 it may concern : I am not sure where else to turn to complain about 'Fedloan Servicing, ' the company that services my student loans, as their own website does not have a section dealing with customer satisfaction or complaints. <P/>I am currently on an income-based repayment scheme ( this is my third year on it ). To make my story  short and sweet, every year ( 3x now ) that I have had to send in income documentation regarding how much money I make ( 1st as an XXXX XXXX through the XXXX XXXX XXXX ; 2nd as a XXXX XXXX XXXX XXXX XXXX ; 3rd as a XXXX XXXX at XXXX University ), Fedloan Servicing flat out rejects my application because I have not stated my " gross annual salary. '' After calling them for days at a time, and getting contradictory advice with each representative I talk to, I finally talk to someone and explain to them that all the information is there, including how much my gross salary is. <P/>It takes them 1-2 months to process the initial request, then they reject it. Then, after they realize they have made the mistake ( not myself ), they tell me I have to wait another 1-3 months to get it re-processed, which makes me lose out on " payments '' for the particular IBR scheme I am on ( 20 yr plan, after 20 years of payments, the loan is forgiven ), which, if they do this every single year for 20 years would add a few years onto my payments. <P/>My simple point is this : Fedloan Servicing consistently makes simply administrative errors, penalizes the customer, and only after repetitive harassment from said customer, do they actually ever do their job. I am only 3 years into dealing with this company, and I really can not believe that the federal government allows them to service loans in the taxpayer 's name. <P/>It is extremely frustrating ( not to mention demoralizing ) to have to call these people constantly, a company that does not seem to deem either customer service nor actual knowledge about student loans a priority. <P/>I hope this can serve some use. On another note, how in the world does it take 3 months to process an income payslip to prove how much money I make? It is literally one piece of paper. <P/>The attachment below shows the income documentation I submitted to Fedloan Servicing. I was told that it was rejected because they did n't know how much money I was making ... seems clear enough to me. Furthermore, I submitted documentation in XXXX of 2017 for job starting at the end of XXXX because I KNEW they would mess it up ( like they did last year ) and take months to figure it out. <P/>XXXX regards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX / XXXX / {$700.00} / ( Original Creditor : )/ XXXX / {$150.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have contacted Santander Consumer USA of my payments being applied to late fees, miscellaneous charges and specifically interest charges on my account. I started my car loan with them on XXXX of XXXX and my account defaulted because of missed payments and was charged off by Santander XXXX on XXXX of XXXX. Since the beginning of XXXX I have made my payments more than the monthly payment and {$1900.00} of my payments have been applied to interest charges alone. I contacted Santander in regards to my payments and I was told that all my payments should only be applied to the principal since my account was in collections and it was charged off. Also that the payments are not being applied to interest but to late fees, this is not accurate at all compared to the information on my account. I am assuming Santander Consumer made a mistake and incorrectly applied my payments to interest charges and late fees since they assured me that all payments from XX/XX/XXXX forward are being applied to my principal balance on this account that is in debt collection. I ask that Santander Consumer USA redirect any payments applied to interest, late fees and miscellaneous charges be applied to the principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I called XX/XX/XXXX asked that my funds be mailed to me I was told they would be to my home in 7 to 10 days here we are on the XX/XX/XXXX and my money is still in the account it 's my social security for me and my children this is all we have to live off and they are taken there time to get it to me. And said the only way for me to receive my funds is to wait for a certain department to handle the closing and mail me my checks. I do n't believe that it is being handled correctly and they should not be able to hold my funds. There should be options in how you receive your money and those options should be quick. Not to there discretion or when ever they feel like it.

Company response to consumer: Closed with explanation