BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-06
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: Old information reappears or never goes away

Complaint:
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Charge Card Balance on XX/XX/XXXX XXXX XXXX - {$850.00} Payment Info Status date XX/XX/XXXX This past the 6-year statute of limitations to collect on an account required by Georgia law . I have asked them to remove it on more than one occasion and I have filed a dispute with the credit the MAJOR credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Charge Card Balance on XX/XX/XXXX Credit Limit - {$850.00} Payment Info Status date XX/XX/XXXX This past the 6-year statute of limitations to collect on an account required by Georgia law XXXX I have asked them to remove it on more than one occasion and I have filed a dispute with the credit the MAJOR credit reporting companies.

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 2017-07-26
Company: Santander Consumer USA Holdings Inc.
State: MT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/17 we purchased a XXXX XXXX XXXX from XXXX XXXX XXXX. We were told it would be very hard to get approved for this loan so I was a cosigner. They kept trying to get us to buy a different ( more expensive ) vehicle. Finally they were able to find someone to finance the car. Santander Consumer USA was apparently the only place that would finance us, and at an 18 PERCENT INTEREST RATE. Yes for an auto loan. Neither of us had bad credit scores at all. The payment for this car is about XXXX a month for a {$26000.00} loan, half of the payment goes towards interest. We consulted with a few people and we were told that there 's absolutely no reason for that high of an interest rate or payment. We also wo n't be able to refinance until we pay down to {$21000.00} and currently the payoff amount is {$29000.00} due to fees, interest, and finance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was a victim of a scam/ fraud situation, where I was notified in order to receive money promised to me from a " buyer '' I had to upgrade my Wells Fargo XXXX account to a business account. The person that got in touch with me was impersonating a XXXX agent. That XXXX agent sent me multiple emails stating that I needed to send them {$350.00} in order to get that money. I sent multiple request to get this issue resolved and Wells Fargo has not been able to cooperate with me at all. This is a case of fraud and scam and I find it ridiculous that they are not able to help me out at all. Why would I authorize a payment if I knew I was being a victim of a scam or fraud. This is insane that I have to send all these complaints. I just want this issue resolved and my money returned.

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 2018-01-03
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX has called me and threatened to sue me for a debt that is very old 20+ years. They stated that they were going to put liens on my cars and house and reposses them and destroy my credit. They also told me that I was an " XXXX have no sense at all and must have been XXXX XXXX XXXX XXXX  in the XXXX making my XXXX '' ( Those were there exact words ). They are claiming that it is a discovery card debt of a little over {$1000.00}. from XX/XX/XXXX, to the best of my recollection I did not even have a discover card in XX/XX/XXXX. All my debt payments from approx XX/XX/XXXX are all up to date. They have also called and harassed my wife and mother in law on the phone ( they of course have never been given consent to contact those numbers ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: SUN WEST MORTGAGE COMPANY, INC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been requesting the Sun West Motg. Co to take off Mortg. Insurance premium as the ratio of residual loan and the house price satisfies the conditions. I have submitted the sale price of this complex to prove the facts. The Co is adamantly and unjustly collecting MIP every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I had a private loan through XXXX XXXX XXXX in which averaged a 2.8 % interest rate. A few months ago I was notified that Navient will be taking over the loan, and as that happened my interest rate began to increase gradually. My loan is now at an interest rate of 3.5 % and Im not sure when it will stop, as the loan interest increases every couple of months now that Navient has the loan. 

I also have federal student loans that I am convinced were taken out at the 3.5 % rate and Navient doubled most of them to the 6.5 % even though that was only supposed to be new loans after the XXXX bill wasnt renewed. I have no loan with them for less than 5.3 % interest rate and I know I had loans through XXXX XXXX for the 3.5 % but now that Navient took over those loans I cant access the records. I called in 2014 to request the information from Navient about how the loan interest changed when going from XXXX XXXX to Navient and they stated they had no access to that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: OneMain Finance Corporation
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have statements for the past year that show that I have made {$6300.00} in payments and only {$2200.00} has gone to my principal. When I ask why they take more in interest, they say its an interest bearing loan. I think this is ridiculous! I tried refinancing to get a lower interest rate ( current rate is supposed to be 36 % ) and they say that I dont qualify! Please look into this company One Main Financial in XXXX XXXX New Mexico!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: VW Credit
State: MO
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:
I signed for my niece to lease a vehicle, and she was making the payments timely. She filed a legal restraining order against her child 's father and had to relocate within 30 days ( I can provide copies of all legal paperwork ). She fell behind on a payment and I was not aware. As soon as I heard about this ( through my credit reporting agency ) I contacted XXXX and brought the account current immediately. I received a significant credit hit as a result of this report. I contacted the credit bureaus and they advised VW Credit could remove the late from my account under the extenuating circumstances. The account was just over 30 days late ( 3-4 days ). We would sincerely appreciate any consideration you can give us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
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: Old information reappears or never goes away

Complaint:
Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Credit Card Balance on XX/XX/XXXX XXXX XXXX - {$0.00} Payment Info Status Legally paid in full for less than the full balance Status date XX/XX/XXXX 2020

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 2022-02-06
Company: WELLS FARGO & COMPANY
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: Old information reappears or never goes away

Complaint:
Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Credit Card Balance on XX/XX/XXXX XXXX XXXX - {$0.00} Payment Info Status Legally paid in full for less than the full balance Status date XX/XX/XXXX 2020

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 2018-01-03
Company: DISCOVER BANK
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owe over {$1000.00} to my Discover Credit Card and currently can not pay. They were calling me multiple times a day, but almost never leaving messages. On XXXX XXXX at XXXX I received a call from them, followed by a voicemail. My husband was home from work that day and called me a few minutes later telling me he received a phone call from Discover, looking for me. This floored me. His phone number was never put into my account, I even double checked as soon as he told me about this. He received a call at XXXX ONE minute after they called me. The following day ( XXXX XXXX ) I called Discover and asked them whey they called my husband when I never had his number on my account. They told me was that my husband 's phone number was placed on the account the day before ( XXXX XXXX ) but my husband NEVER gave them permission to put his number on the account, and he told me that they never even asked his permission when they called. So just because he answered and verified he was my spouse, they took that as an okay to put his number onto the account?! I was then transferred to someone else, and told that they have a department that will search for other phone numbers to call and try and reach the person they need. I asked how this is okay and they could n't give me an answer. They just kept telling me that they have this department. How in the world is it LEGAL to search for someone else and call them without any permission? What if my husband and I had been separated or going through a divorce and he starts getting calls about MY CARD? Prior to making my phone call to them, I tried dealing with online support on XXXX XXXX and that was a train wreck as well, and they should really work on training their workers better. I am appalled by this and think it is WRONG that they A. call multiple times a day, and B. can just find other people 's phone numbers to harass you even more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-06
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a validation letter from XXXX, but the company failed to disclose that I had thirty days to dispute. This is a violation under 15 USC 1692g. I want to make XXXX aware that a billing statement does not prove that I owe on the alleged debt. I am challenging XXXX to prove that the organization has rendered any services or compensation to which the company may lawfully collect. Where is the agreement to prove this matter? XXXXXXXX XXXX failure to prove this matter is considered false representation under 15 USC 1692e ( 2 ) ( B ) of the FDCPA and subject to fines under 15 USC 1692k. Again, if you all fail to produce an agreement that authorizes you to collect the debt, this considered unfair practices pursuant to 15 USC 1692f ( 1 ) and subject to fines under 15 USC 1692k. XXXX is the name on my consumer report. I want XXXX to also be aware of what 15 USC 1692j ( a ) says. It states that it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Under the penalty of perjury, did you purchase the alleged debt? Why is XXXX on the report? I demand XXXX to cease and desist all forms of communication pursuant to 15 USC 1692c ( c ). XXXXXXXX XXXX failure to comply to the FDCPA will be challenged pursuant to 15 USC 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: EQUIFAX, 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:
In XX/XX/XXXX, I disputed an account reported by : XXXX XXXX {$22000.00} in the file you maintain under my social security number. 

I was informed on XX/XX/XXXX/XX/XX/XXXX that the item was deleted from my credit report. 

Now XX/XX/XXXX, I have discovered that the item has been reinserted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I XXXX XXXX was denied extension of credit by Bank of America. On XX/XX/2022, I applied for Bank of America auto financing. It is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 169XXXX ( C ) and you assume civil liability Pursuant 15 U.S Code 1691 ( K ). Bank of America has violated my federally protected rights : 15 U.S Code 1642 15 U.S Code 1681M 12 CFR 1002

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 2018-01-03
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX 2017, I mailed XXXX XXXX in XXXX FL for debt validation, but instead company never sent information regarding debt that was requested in validation letter but I get a notification from XXXX that they refreshed debt saying the debt was opened in XXXX 2017 which is false.I disputed this collection all of 2017 but no response from the company.It was deleted by the major credit bureaus before but company re added debt but changed the opened date on the account to reage debt which is illegal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for a XXXX XXXX/XXXX XXXX XXXX. While the account was not obtained the fraudulent application left an inquiry on the XXXX credit report dated XX/XX/XXXX. Synchrony was notified of this fraudulent activty via phone with XXXX XXXX and an official dispute of this inquiry was sent to XXXX XXXX XX/XX/XXXX however a recent credit report from XXXX still has the fraudulent inquiry listed which is a violation of the FCRA.

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 2017-07-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am requesting assistance with XXXX XXXX regarding incorrect payment information on my credit report. The three XXXX XXXX Accounts I and requesting help in are were opened XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The payment information history for the accounts opened on XX/XX/XXXX and XX/XX/XXXX is incorrect. To start, both of these accounts were paid in full in XX/XX/XXXXwhich is reflected on the payment history for the XX/XX/XXXX account by being labeled as current, however for the XX/XX/XXXX account there is missing payment history. In addition, The XX/XX/XXXX account payment information for XX/XX/XXXX is reported as current, but for the XX/XX/XXXX account is reported as 90-119 days late. This is frustrating because both accounts had combined payments through XXXX XXXX. Also, how can the months of XX/XX/XXXX be 90 days late when the previous two months were reported as current. I have been trying to get assistance to XXXX XXXX about this problem since XX/XX/XXXX. I had first disputed with all three credit bureaus for years and their investigation comes back as correct. I have called XXXX XXXX and can not get a staff member in that dept. They take a message and I never get a call back. I have also mailed them written complaints and have never gotten a response Please help me with this situation. In addition, my perfect payment history since the opening of these accounts is not provided on any of my three credit reports. There should be at least 7 years of payment history. I only have 2 years listed for the 2 accounts I am requesting help with listed above. Thank you!.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have had this card for about 2-3 years all my taxes and my stimulus money gets deposited on there for myself and my two children, the card had suspicious activity for hotel rooms that were not in my name but aren't fraud to this company, I deactivated and got a new one sent out that card was stolen from my mailbox and blue bird authorized someone to take that card and withdrew XXXX off that card. Now with a total of all fraud charges that XXXX did not authorize is a total of XXXX I have just today put in my 5th dispute with this company and I'm just stress and frustrated, I've made police reports, reports to the post office and nothing is enough for me and my kids to be entitled to my cash. So I did research and found u guys so I'm not only asking I'm begging for the help. I uploaded a text from the person thatstole my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
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: Account status incorrect

Complaint:
I am requesting assistance with XXXX XXXX regarding incorrect payment information on my credit report. The three XXXX XXXX  Accounts I and requesting help in are were opened XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The payment information history for the accounts opened on XX/XX/XXXX and XX/XX/XXXX is incorrect. To start, both of these accounts were paid in full in XX/XX/XXXX which is reflected on the payment history for the XX/XX/XXXX account by being labeled as current, however for the XX/XX/XXXX account there is missing payment history. In addition, The XX/XX/XXXX account payment information for XX/XX/XXXX is reported as current, but for the XX/XX/XXXX account is reported as 90-119 days late. This is frustrating because both  accounts had combined payments through XXXX XXXX. Also, how can the months of XXXX be 90 days late when the previous two months were reported as current. I have been trying to get assistance to XXXX XXXX about this problem since XX/XX/XXXX. I had first disputed with all three credit bureaus for years and their investigation comes back as correct. I have called XXXX XXXX and can not get a staff member in that dept. They take a message and I never get a call back. I have also mailed them written complaints and have never gotten a response Please help me with this situation. In addition, my perfect payment history since the opening of these accounts is not provided on any of my three credit reports. There should be at least 7 years of payment history. I only have 2 years listed for the 2 accounts I am requesting help with listed above. Thank you!.

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