BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
Company: SANTANDER HOLDINGS USA, INC.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased my truck XX/XX/XXXX. My monthly payment is {$890.00}. I made 2 payments totalling {$900.00} well before my due date of XX/XX/XXXX. The total interest taken out of these 2 payments was around {$330.00}. I asked to change my due date to the XXXX, so my mortgage and car payment would come out of separates paychecks. I made 3 payments XXXX, XXXX, and XXXX, once again totalling {$900.00} and again before my payment was due. They applied the whole monthly payment of almost {$900.00} to interest. How is that even possible when the first month, the principal was higher. I called 3 times now about this and there is still no update from " accounting '' which I have been told is supposed to review it. Each time the representative told me it's a simple interest loan and that's how it works.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: NC
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
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: Their investigation did not fix an error on your report

Complaint:
COMPANY : XXXX XXXX WHICH I HAVE NEVER HEARD OF THEM NOR THIS PROBLEM TILL IT SHOWED UP ON MY CREDIT REPORT I HAVE NEVER RECEIVED MAIL OR KNOW OF THE EVENT THAT TOOK PLACE IN THE SAME ( XXXX  EXPERIAN AND XXXX ) HAS ALREADY TOOK IT OF MY CREDIT REPORT JUST SEEING IF YOU WILL DO THE SAME THANK YOU SO MUCH BECAUSE ITS BEEN A YEAR WITH THEM REPORTING AND REMOVING DEBT OFF MY FILE.

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 2023-08-29
Company: EQUIFAX, INC.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15
Company: Experian Information Solutions Inc.
State: CA
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:
XX/XX/18 Experian has : 1 ) Reported 20 Hard Inquires on my credit that I never authorized.

2 ) I literally paid off my car with XXXX XXXX XXXX XXXX XXXX was never later, but Experian is still reports it owing and late.

3 ) I NEVER had any account for XXXX XXXX but Experian reports me owing them.

4 ) XXXX XXXX XXXX sent me and CFPB an acknowledgment of error in reporting that I owe them anything. They admitted that I dont owe them. Experian consistently & fraudulently puts them on and off of my report as a charge off.

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 2018-08-15
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXX XXXX from 2012 to the present of theft and fraud of people using my personal finance info to obtain mortgages. 

XXXX XXXX XXXX of the same people with fraudulent issuance of mortgages on my behalf. 

XXXX XXXX XXXX which is XXXX XXXX now - same fraud and identity theft and fraudulent mortgages. 

XXXX XXXX XXXX  XXXX - same fraud application for mortgages on my behalf. 

XXXX XXXX  - same fraud mortgages XXXX  XXXX XXXX XXXX - same fraudulent mortgages on my name and info. 

XXXX XXXX  XXXX - same fraud mortgages on my name.

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 2018-03-12
Company: Experian Information Solutions Inc.
State: VA
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:
There are many mistakes appear in my report without my understanding.

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 2019-03-15
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Good afternoon, I'm contacting you in reference to my Nelnet, Nelnet has  been updating my account as delinquent for the past 4 months ( 120 days ) My accounts were consolidated with XXXX XXXX and I explained that to this company. I was told that the account would be placed on forbearance and no reporting would go further as, they do see the accounts is in consolidation status. this has caused a hardship on my credit rating my score has dropped over 100 points due to the failed actions by Nelnet My credit rating score was above 730. As this is a hardship on my file. I am requesting the removal of the negative rating on my credit file be removed from all reporting agencies XXXX, XXXX, AND XXXX. I need this done ASAP, as Nelnet is doing illegal collecting and reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, around XXXX XXXX, I received a phone call from Chase Bank asking if I agreed to a {$4700.00} payment. I told them that I had not agreed to anything, and the caller said that if I provided my detailed information, they would cancel the payment. I went ahead and provided my detailed information just to be cautious. Later, I called the bank directly just to make sure. The bank informed me that while I had not given consent, another co-signer, who happens to be my wife, had agreed to the payment. It is impossible for my wife to have agreed as she does not speak XXXX. The bank mentioned that they would conduct an investigation, but the outcome of the investigation was that they could not refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I opened a secure credit card with us bank in XXXX MN back in XX/XX/2017. They said if I opened the account with XXXX dollars that they would report it to my credit report all three XXXX XXXX and the other. But that did not happen. It has cost me a great ammount of money because of a larger ammount on interest on my car loan and other loans. I trusted the bank but they did nothing. When I called them they said I have to send them a letter. But the damage has already been done. I was mislead in truth and lending by us bank. And I explained to them that the damage has been done and they responded oh well. I feel I was dupped and felt sure that I could trust what they said to me was truthfully. I would have never opened a secured credit card with them if only they do is charge me fees for my own money. Missleading into beleaving something that was not the truth is wrong. And when I want to close the secure credit card they say I have to send a letter. But I opened it at the bank why can I not close it. They keep assessing fees of late payments of my own money please help 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 monetary relief
Consumer complaint received 2018-04-04
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
We have missionaries in XXXX, XXXX, and XXXX that we have supported for years. We used to send funds via MoneyGram but starting last year they have blocked all attempts and we were forced to use XXXX XXXX, where we had no problem sending, just costs more. I have spoken to several agents at Money Gram including a supervisor who says there is no reason for my transfers to be blocked saying it is a local problem. I have gone to a number of MG agencies and all locations say money gram is rejecting the transfer. The supervisor agent said they can not tell me what their record shows as they might give false information. It is unthinkable I can be blocked from making legitimate transfers without a reason. Please investigate why MG is doing this to us and we want to disclosure for it. We are legitimate and highly credentials and people of honor, we do not deserve this type of inept treatment. This creates a hardship for our people in their country to not receive funds via MG instead of XXXX  or bank transfer. Plus it costs more. They were given good service for several years and then last year stopped allowing us to send funds to our people in our locations global. 


XXXX2018 is the latest time this rejection was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: AmeriCollect
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To XXXX XXXX this is in response to the letter in connection with the CFPB complaint number XXXX. The letter doesn't address the three clear violation which i laid out with proof in connection with those statutes. You have violated 15 U.S. Code 1681 ( 2 ) Limition on Creditor. In regards to the prior identity theft claims, at this point those a moot as there are statute violations which supercede the identity theft claim as the violations prevented me from qualifying for {$250000.00} business loan. To thrwart any further litigation remedies all i ask is that you DELETE the accounts from XXXX and XXXX as XXXX already deleted the accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: BROKER SOLUTIONS, INC.
State: WI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The debt is a mortgage. This debt was discharged in Bankruptcy Chapter XXXX in XX/XX/2017. Since then I have been in contact with two employees in the Mortgage Retention Dept. of New American Funding. I have also had monthly conversations with the company 's customer service representatives regarding this debt. I requested a deed-in-lieu from New American Funding to no avail. A deed-in-lieu would surrender the property and save the mortgagor time and money. They were unable to provide same as XXXX XXXX would not consider this option unless I filled out paperwork that was stamped " Loan Modification Application. '' I refused to apply for a loan modification on a loan that was discharged. New American Funding has agreed in telephone conversations and written correspondence that this debt was discharged and has been very sensitive to the laws and rules surrounding attempts to collect a debt that has been discharged. Until today. 
Today I received a call from New American Funding asking that I call them back. No reason was given. I called and the employee asked me to arrange to pay the balance due. I told her ( XXXX aka XXXX ) that this debt was discharged by bankruptcy court and she said that was the reason that the calls would now resume. I her that she was violating the law and either knew it or should know it and she repeated herself. I asked to speak to her supervisor and she said she would put in a request for him ( XXXX aka XXXX ) to call me-within 48 hours. I couldn't find out if she couldn't connect me or wouldn't. I made it clear that she/NAF was violating the law ( as I understood it ) by attempting to collect this debt. It feel on deaf ears.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I met all the qualifying criteria for the Citi Premier credit card but I was informed I was no longer eligible due to an account opening/closure of same credit card family within 24 months despite during the entire relationship with Citi I have never requested any account closure and the only account opening within 24 months I requested was this card. 

XXXX XXXX : I applied for the Citi Premier card with a promo 50,000 ThankYou points for {$4000.00} of spending in 3 months. 

XXXX XXXX : I met eligible spending requirements within the timeline. 

XXXX XXXX : I called Citi to confirm eligibility and Citi claimed that I was not eligible due to a closed Citi Forward which Citi unilaterally closed in XXXX. I contended this should not affect eligibility given even on today 's Citi signup promotion for Citi Premier, that the Citi Forward is not listed as one of the cards whose opening/closing would affect eligibility and that additionally the closure was action taken by Citi and not myself. It would also be contentious for any closure initiated by Citi to affect bonus eligibility given Citi could use it to the effect of artificially causing failure to meet bonus terms. 

XXXX XXXX : I called Citi again to check eligibility and this time they said I was not eligible because I closed a Citi Preferred card in XXXX. However this was after I applied for the Citi Premier and furthermore the card was converted to a XXXX card, not closed as it is the same tradeline as the Citi Preferred. Not withstanding the fact that this occurred after the application of the Citi Premier, a conversion should not count as a closure and nowhere during any interaction with Citi on that matter was there a mention of any effects with regards to bonus eligibility.

Given Citi 's inconsistent reasoning on what affected bonus eligibility and unreasonable claims of what constitutes card closure. Citi should honor original bonus terms as stated at the time of application.

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 2023-08-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX reportedly submitted a voluntary repossession to all three credit bureaus Equifax, XXXX, and XXXX without obtaining my written consent to share this information. On XX/XX/2020. This situation has caused significant hardships for my children and me, resulting in homelessness for the last 1 and a half years. As per my understanding of 1681b, the permissible purpose of consumer reports dictates that a company can only provide such information if subpoenaed by a federal judge, which was not the case here, and if they possess written consent from the consumer, in this instance, myself which they do not. 

Due to these circumstances, I urgently request the removal of this entry from my credit report. The presence of this item has not only hindered my housing prospects but also affected my ability to secure employment, thereby jeopardizing my ability to provide for my family. 

Moreover, I have noticed discrepancies in my credit history across the three bureaus. While XXXX lists one late payment, Equifax indicates two, and XXXX reports twenty-four late payments. Given that this data originates from the same source, the disparities are perplexing. I believe this misleading information should be expunged. I have attached a screenshot illustrating these inconsistencies. 

Furthermore, I've noticed that the account is marked as " closed/charged off. '' However, I'm perplexed by the consistent addition of late payment entries each month. My understanding was that a " charged off '' status implies that the creditor has written off the debt as unlikely to be collected. Given that the account is closed, I expected the total amount to remain constant. Could someone clarify why the total amount continues to change on a monthly basis? 

I kindly request your prompt attention to this matter and appreciate your immediate response. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The account for XXXX XXXX XXXX ( XXXX XXXX  ) shows as charged off/closed account when this account was paid off. I contacted the company 2 weeks ago but nothing was resolved. The amouint paid to them for the pay off was {$1100.00} on XX/XX/2023 but somehow it shows as charged off/closed account on XXXX, Equifax & XXXX XXXX 
Please see attached document showing paid to XXXX XXXX XXXX  on XX/XX/2023 in the amount of {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The company continues to report the account as Charged Off every month. The account was charged off XX/XX/2023 and is not supposed to continue to report at Charged Off 5 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: OH
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:
Good evening the receipt of this correspondence is for data and legal purposes.

I have continued to communicate with all credit companies about fraudulent Information reported on my consumer credit report. 
Attached to this statement is evidence Data what is open from creditors and commercial companies With law enforcement Confirming missed information on my consumer credit profile.

All of the credit companies have been notified and given several opportunities to Adjust my credit report to reflect accurate information and remove Disputed accounts Some accounts have been removed some of them remain which is against the Is fair credit reporting ACT.

All credit companies have violated permissible Is purpose, Along with 611, 612, 615 and Several other consumer laws.

This notice is evidence, Of a 4th coming lawsuit.

All credit Company served in this suit are responsible for {$100000.00} Conversation to XXXX XXXX XXXX For several consumer violations. 
Everyone notified has 10 days to respond with Appropriate actions, Credit collections or a {$100000.00} payment Failure to respond will result in a executive default.

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