BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-06
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I had my bank XXXX XXXX  scheduled to pay XXXX dollars for may car Loan to Huntington Bank, should of paid XXXX but paid XXXX by mistake. I noticed on XX/XX/XXXX they took the XXXX out of my checking account, I called and they took took out the XXXX out on XX/XX/XXXX to send for the XX/XX/22 scheduled Payment. My car payment was not even due till. XX/XX/XXXX, but I pay early. I called Huntington and the payment was applied on XX/XX/XXXX of the XXXX. They told me ( and recording says they record phones so should be able to Listen to it ) they would send me a Cashier Check in 3 business days, and to go ahead and pay my XXXX car payment when due. I asked they keep the XXXX for the car payment and send XXXX and they said no. They said just pay it when due. So I trusted their word and paid the XXXX car payment on XX/XX/XXXX. I called today and my payoff is still Like would be with XXXX payment. I finally get someone who said they are Holding my funds till XX/XX/XXXX to make sure clears. They have had it since XX/XX/XXXX. So now they tell me To email them and send bank statements to show proof I paid it, when they already have the money. My bank statements only show Money taken from account. I took pictures and sent them too. They gave me this number to check # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Experian Information Solutions Inc.
State: IL
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 or about XX/XX/2017 I submitted a dispute to Experian. To this day Experian has not responded or investigated the issues on my credit report. Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

Experian has violated the FCRA 30-day-to-respond regulation.

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 2020-07-01
Company: LEXISNEXIS
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I complained about LexisNexis providing fraudulent information not obtained by the current 3 credit bureaus and said information was provided to XXXX XXXX XXXX XXXX, they disputed two items on my behalf, one has been added to a current ongoing Class Action law suit being conducted by the CFPB on my behalf and the other regarding the fraudulent Judgement is currently under investigation by Legal Action. I received via US mail two copies of a unauthorized background check conducted by LexisNexis and provided to XXXX XXXX XXXX XXXX  which in turn they forward to me since no one requested this violation of my privacy. I was a victim of identity theft and they are reporting information they was deleted by all three credit bureaus, XXXX, XXXX, and XXXX. There are to addresses listed that I never resided at in this report they are openly displaying all of my personal information. The credit bureaus dont even do that, they block out the first five numbers if my social security number to protect my identity, my drivers license also is openly exposed subject to identity theft as well. They are listing three addresses I never resided at, 1. XXXX XXXX XXXX XXXX, XXXX, WI XXXX, 2. XXXX XXXX, XXXX, Florida XXXX with no street address. 3. XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX, which is the address to the XXXX XXXX. The report goes further exposing very private information regarding my personal property ( mortgage ), exposing phone numbers, email addresses, information regarding my vehicles purchased, insurance claims, and where I currently bank, including the miss spelling of my legal name which confirms indenting theft, this is clearly an egregious violation of my constitutional rights to privacy. This unauthorized investigation goes back more than 36 years. I am now a possible victim of identity theft again due to this violation and exposure of my personal information, this information now has been circulated to places that did not request nor were authorized to receive my very private information. 
I contacted LexisNexis about the unauthorized background check on me which is a violation of my constitutional right to my privacy. I was given the run around and no manager would take my call. I then asked the person by the name of XXXX how did LexisNexis get access to my drivers license number and social security number, which is not public information and she answered that they have ways of acquiring the information and I asked her how because that constitutes as identify theft, and a blatant violation of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an American Express Bluebird Account. I had two foreign deposits that are missing. I had a deposit on XX/XX/2018 from XXXX XXXX refunding a ticket for XXXX Euros, and a deposit from a job based in XXXX, for {$500.00}, on XX/XX/2018. Neither of these deposits is in my account. Both companies have provided proof that they deposited the money into the proper account, but it has never arrived. 

I have tried to contact Bluebird via their two XXXX numbers provided, and you CAN NOT get a human point of contact, ever. I have literally tried over 20 times to call them. I then tried the American Express headquarters and they stated they do not handle Bluebird, and gave me the XXXX number I previously attempted. When I told there is no human point of contact, they apologized but offered no solution. 

I sent Bluebird several emails via their customer service email address. They did not return or acknowledge them. 

I sent them a letter via USPS mail. I have heard nothing. 

I sent them a XXXX via their customer service XXXX forum. They did not acknowledge it. 

I want my money returned. They have not acknowledged my complaints and completely ignored me, and not offered proof of where this money is, and the other two companies have offered proof of completed deposits to my bank account, but Bluebird has taken illegally taken that money and will not acknowledge my complaint. I either want proof of where the money is or irrefutable proof it has been returned to the other companies, who are showing proof it was deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: JPL Recovery Solutions
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX, XXXX XXXX from JPL Recovery Solultions left a voicemail on a former roommates voicemail regarding a debt with XXXX. The voicemail contained illegal information not allowed to be provided to 3rd Parties. On multiple occasions before and after this through XX/XX/XXXX, XXXX and other associates had multiple illegal contacts with 3rd Parties regarding this debt.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
There is already a pending complaint regarding this transaction. The bank has assessed me yet another fee on top of the last fee I complained about - which should've never been assessed in the first place. 

See the attached PDF. According to my balance history, when XXXX tried to debit {$64.00} on XX/XX/2018, my balance was XXXX. 

Instead of allowing the debit to occur, the bank rejected it and then assessed a {$38.00} NSF fee. 

I tried to resolve this with the bank directly and they claimed I'd already received two " courtesy '' refund of bank fees.. 

The problem is those fees were caused by a transaction I didn't approve, and subsequently disputed. Thus, those were not " courtesy '' refunds. They were necessary. And when that dispute is completed, I anticipate getting back 2 more {$35.00} overdraft fees from BBVA. 

But regarding this particular complaint, per the attached, you can see the bank assessed yet another {$38.00} NSF fee on top of the first one, which should've never happened in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: The Outsource Group, Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I've been receiving mail and calls via the debt collector and its become a harassing matter. I tried to request verification via the debt collector and they can not provide it yet still send me letters in attempt to collect.

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 2018-08-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX The company listed herein is shown on my credit reports across all Credit Report Agencies. According to them, I have opened an account and have an outstanding balance of {$400.00}. I totally and utterly dismiss this assertion. Upon discovery of this derogatory account, I did inform the company in question along with the 3 credit reporting agencies about this fraudulent account. 

I have requested verification and/or validation of this alleged debt but to date this information has not been forthcoming. I have provided proof that my personal information, including my social security number, have been compromised, as confirmed by the US Office of Personnel Management. I have also submitted a Federal Trade Commission ( FTC ) Identity Theft Report and the company in question has failed to respond. I implore this company to delete this account from my report with immediate effect.

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 2018-04-28
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification with SLS, my primarly mortgage lien holder in XX/XX/XXXX. I signed and notarized the loan modification agreement per the lender 's terms and mailed the entire package back to SLS inXX/XX/XXXX. I have been making monthly mortgage payments per the terms of the modification agreement for the past 3 months at $ XXXX/month. As of todayXX/XX/XXXX, SLS has either refused and/or delayed execution of the loan modification agreement that I signed inXX/XX/XXXX. When I contact a SLS representative 1 week ago, I was told the loan modification agreement which I had signed and notarized would not be honored by the investor and certain terms in the loan modification would be revised. I now believe this is a bait and switch scheme to entice me to sign and notarize a loan modification, accept my monthly mortgage payments per the terms of the loan modification, and then withdraw the loan modification agreement to substitute with less favorable terms that would leave me with no choice but to accept.

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 2018-08-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
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:
XXXX and XXXX are both alleging that the Portfolio Recovery account reflected on my credit report is accurate and verified. The inaccuracies listed below : *The account type listed for XXXX is factoring data and collection on XXXX XXXX reflects a past due amount of {$480.00} and XXXX reflects XXXX *XXXX  reflects payment history as ok from XXXX ; XXXX reflects no payment history *The account number differs among the 2 bureaus *They are allowing Portfolio to list 2 different names among the bureaus for the same account These inaccuracies alone are grounds for removal. Additionally, in my communication with Portfolio, if they indeed own the debt, they did not provide any credit card agreement forms, a mere statement does not validate the amount alleged to be owed. XXXX did not provide a comprehensive accounting ledger of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am sending this complaint to all three Credit Bureaus ( XXXX, XXXX, and Transunion ). In XX/XX/XXXX, XXXX XXXX XXXX ( XXXX ) posted a ERRONEOUS Collection Account to my Credit Reports ; this is the ONLY Collection Account on my Credit Reports. I have tried DISPUTING this ERRONEOUS Collection Account with all three Credit Bureaus. Upon reviewing my three Credit Reports today, XX/XX/XXXX, I see this ERRONEOUS Collection Account has been updated on XX/XX/XXXX, apparently as accurate, because it is still being reported. On XX/XX/XXXX, I filed a online complaint against XXXX XXXX XXXX through the XX/XX/XXXX ( XX/XX/XXXX ) ... See PAGE 1 of attachment. On XX/XX/XXXX, XXXX XXXX XXXX sent a final response back to my XX/XX/XXXX complaint ... See PAGE 2 of attachment. XXXX XXXX XXXX stated in this final response that they were UNABLE TO VALIDATE this Collection Account Debt. Additionally, they stated, as of XX/XX/XXXX, they will be sending a Record of Deletion to all three Credit Bureaus. Based on the ATTACHED EVIDENCE, IMMEDIATELY delete this ERRONEOUS Collection Account from my Credit Reports. I have supporting Evidence/Documentation for Legal Action, if necessary.

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 2019-05-28
Company: Experian Information Solutions Inc.
State: KY
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:
There are several items being incorrectly reported on my credit report, related to inquiries that I do not recognize. I have contacted the companies directly, and have been told that they are unable to assist. Not only are the inquiries unfamiliar, they are inconsistent. Please see a list below : 1. XXXX XXXX/ XXXX XX/XX/XXXX 2.  XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4.  XXXX XX/XX/XXXX 5. XXXX/ XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Experian Information Solutions Inc.
State: MN
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 have contacted Experian on various occasions throughout the year of XXXX and XXXX regarding inaccurate information on my credit report which includes the following : Inaccurate addresses : I was told that account could not be removed as they were reported by original creditor. I contacted creditors which took hours and was told that they are only reporting my current address : XXXX XXXX XXXX XXXX XXXX, MN XXXX Late payments : XXXX XXXX XXXX Experian is showing over 6 late payments on this account, including a late this month XX/XX/XXXXwith a past due balance of {$540.00}. My payment has been made on time for XXXX and XXXX also reports 1 month behind ; therefore it would be impossible for them to receive this information. This is a clear error and Experian refuses to correct it. 

Late Payment : XXXX XXXX This account has never been late. 

Chapter XXXX Bankruptcy I have not Chapter XXXX bankruptcy and Experian is the only credit report with this listed on it. 

Listing of a Spouse : I am not in anyway associated with anyone who should be listed on my credit report. 


Listing employer : Requested that this be removed. They refuse. It is not accurate information. I have not worked for XXXX XXXX XXXX in the last 4 years. 

Listing of accounts from XXXX and XXXX. 

Listing of XXXX XXXX XXXX XXXX as a disputed account. This is an account that I have had since XX/XX/XXXX and it is in good standing. It was NEVER disputed and is being reported incorrectly with the high limit amount.

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 2018-07-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX Opened XX/XX/2017 Amount XXXX Account balance XXXX account paid in full and closed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed a copy of my credit report. I discovered inquires that I did not authorize. 
On XX/XX/2020, I reached out personally to the company to have the inquire removed from my credit report. It is my understanding that you can only make an inquiry to see my credit report if I authorize it. Which I do not authorize. On XX/XX/2020, stating we regret that we're unable to offer you credit at the terms requested. This has greatly impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on XX/XX/2018 I called XXXX XXXX reguarding an unauthorized inquiry on my credit report that was pulled on XX/XX/XXXX during the purchase of my new vehicle at XXXX XXXX in XXXX Fl. I talked to XXXX and they said they could not do anything about the unauthorized inquiry. I'm looking forward to pursue deletion for an inquiry I didn't authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
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:
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection

Company response to consumer: Closed with non-monetary relief