BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-15
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
DEBT COLLECTOR, provide proof by affidavit or declaration, sworn by wet-ink signature signed under the penalty of perjury, DEBT COLLECTOR did not engaged in any conduct to harass, oppress, or abuse claimant including but not limited to placing telephone calls without disclosure of the caller identity, the use obscene or profane language, causing a telephone to ring with the intent to annoy, abuse or harass claimant and/or threatviolence, or other means to harm the reputation, or property of respondent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I turned my truck in 3 months and 1 week early. Apparently there is early termination fees in you turn a vehicle in earlier than 4 months - i spoke to chrysler capital several times before turning this in and it was never told to me. 
Regardless, I turned it in. Paid all the fees and paid my lease off in full. 
My credit report then alerted me that I owed an additional {$840.00} to chrysler capital. 
I called several times. Nobody could tell me what this was for. 
To protect my credit, I paid it, but to my understanding, I did not owe this money. It is reporting to my credit as a debt and I am furious. This company is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: NJ
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 submitting a complaint because there have been multiple violations against from the credit bureaus, I sent several letters and I have yet to hear anything and it has been over 30 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. I am trying secure financing for a property and this is becoming a heavy burden on my personal family Life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Some friends sent me money to my Venmo account to buy some plane tickets and I would be in charge of buying them all together for personal reasons I couldn't travel and the airline refunded me the money in full the tickets were first class tickets with a value of XXXX usd each, so when the money was returned to me by the airline, the amount was approximately XXXX usd days later Venmo freezes my account and asks me for proof of identification and after that they send me an email saying that my account had been closed permanently I think that if they close my account for some reason that I don't understand because they don't want to explain to me what the reason was, they should let me withdraw my funds to my bank account because it's a lot of money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Commonwealth Financial Systems, 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: Their investigation did not fix an error on your report

Complaint:
Ive disputed two accounts with XXXX several times and they keep saying that the accounts have been verified and updated. I disp The XXXX XXXX Account because it over the statue of limitations time frame of seven years and there still reporting on my credit file. The other account with commonwealth financial is a Hippa violation and they keep updating my account also and saying its verified but refusing to send me the necessary documentation that shows who verified what.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The finance company for my vehicle, Credit Acceptance, has been repeatedly calling me and my co-signer daily. In the attached files are examples of the frequency to which they call. They even contacted our salesman to harass us. He called and text us. His name shows as XXXX 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 2019-06-20
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:
I HAVE REVIEWED MY CREDIT REPORT AND IDENTIFIED SOME INACCURATE ACCOUNTS AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED ME A GREAT DEAL OF STRESS AND HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE PLEASE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is a strange complaint that did n't completely fit into the categories noted. I finalized a difficult divorce on XX/XX/XXXX. As part of the divorce I agreed to pay for a {$25000.00} debt to a credit card company.
<P/>
On XX/XX/XXXX I contacted the credit card company several times. I asked about setting up a payment plan to address this debt. I also wanted to get this debt resolved as I have three pending Parent Plus loans for a set of triplets ( going to three different colleges ). The U.S. Department of Education had declined me for the loans until I could set-up a payment plan for this one company. <P/>On XX/XX/XXXX when I talked with three different representatives, they told me that they could not talk to me about a payment plan as I was at " day 159 '' and had to wait until XX/XX/XXXXwhen I was at " day 180 ''. I have no idea what this means except maybe they are going to charge me more money on " day 180 ''? My credit is damaged from this, and they will not assist me at all. I even asked for a letter on company letterhead to send to the U.S. Department of Education/Financial Aid folks - and the credit card company has refused.
<P/>I am now a single parent, and my credit is damaged and my XXXX 's college loans are being held up due to this company. I 've never heard of anything like this happening. And, I 've been a client of the company for over 20 years. <P/>I need some help as my kids college has to be funded by the end of XX/XX/XXXX. As I told the credit card company, I was much happier to be making payments to them to take care of the debt versus having to start making large college tuition payments. <P/>Please help me with this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, I completed a Penfed loan application with a locked interest rate of 2.375 % and a lender credit of {$2600.00}. On XX/XX/XXXX, XXXX XXXX, my load officer from Penfed, requested that I submit additional military documents to the Penfed loan office. After calling Penfed XXXX number on XX/XX/XXXX, I was made aware Penfed canceled my appraisal status, and XXXX XXXX did not notify me of these changes after numerous requests of my loan status via phone calls and emails. Neither my real estate agent nor the seller 's real estate agent knew that Penfed withdrew my loan application on XX/XX/XXXX. 

I was only given twenty-four hours to obtain the documents and needed for Penfed to approve the loan for approval before Penfed rejected my application. I have XXXX days to produce these documents before Penfed cancels my application. On XX/XX/XXXX, during a conversation with XXXX XXXX, I was informed that XXXX XXXX, a Penfed employee, negligently withdrew my first loan application on XX/XX/XXXX. If I was notified sooner I could have used my financing contingency clause to not lose my earnest money and walk away or seek another financial institution without any damages. I feel that I was baited with a lower interest rate then wrongfully pushed in to a corner, having my choices eliminated due to the action of Penfed and its agents. The way the current deal is structured today with 2.625 % interest rate, paying an originations charge of {$740.00} and only getting {$1000.00} lenders credit. I will end up paying out thousands of dollars more over the life of the loan to the benefit of PenFed. 

Buying a home should be a joyful occasion, but Penfed 's lack of communication has turned this experience into a negative experience for me. I chose Pedfed base off of the original terms of the contract. I should be made whole by Pendfed honoring the original terms, including the 2.3 % interest rate and the {$2600.00} lender 's credit.

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 2020-02-19
Company: EQUIFAX, INC.
State: AL
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:
UNAUTHORIZED CREDIT INQUIRIES : XXXX XXXX, XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX  XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX  XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX   XXXX  Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXAuto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Auto Financing ALL IN CREDIT UNION Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Furniture, Etc. 
XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Google Compare Credit Cards Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Several of my credit cards have been comprised and charged without my consent. from a game called slots of XXXX free slots through goggle play under a email address XXXXXXXXXXXX XXXX This is an email that I rarely use but for some reason my credit card information have been save under goggle play without my knowledge. Although I have changed my password on numerous occasion. I still get security alerts abut someone accessing my account XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. on XXXX/XXXX/XXXX I received notification by goggle that someone has my password. Yet goggle have not taken any security measure to avoid someone charging my account. 
XXXX XXXX XXXX XXXX ending in XXXX XXXX {$2.00} XXXX/XXXX/XXXX {$53.00}. Transaction of {$7.00}, {$7.00}, XXXX {$7.00}, {$0.00}, {$0.00}, {$19.00} XXXX {$61.00} {$29.00}, XXXX, XXXX XXXX/XXXX/XXXX {$29.00} XXXX/XXXX/XXXX {$19.00} XXXX/XXXX/XXXX {$270.00} XXXX, XXXX XXXX/XXXX/XXXX {$8.00} {$7.00}, XXXX, XXXX/XXXX/XXXX $ XXXX {$60.00} {$29.00}, {$29.00}, {$0.00} XXXX/XXXX/XXXX {$29.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$69.00} transaction {$7.00}, {$7.00}, {$29.00}, {$7.00}, {$7.00}, {$7.00}. 
XXXX/XXXX/XXXX {$360.00} Transaction {$2.00}, {$19.00}, XXXX/XXXX/XXXX {$41.00} XXXX/XXXX/XXXX {$72.00} XXXX XXXX Ending XXXX {$500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: AZ
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 strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
When I pay my XXXX XXXX phone bill, funds appear immediately deducted ( within moments XXXX from my Wells Fargo checking account and posts as a pending transaction on my account as I view through my mobile banking application. The following day ( after paying my bill XXXX the transaction no longer appears in my checking account history and the funds appear added back to my balance. The bill pay transaction ( over the last few months ) will then not appear in my history until up to a week later, when the funds are again deducted. During this week long 'lag in batch processing ' XXXX customer service agents and billing specialists assure me that they have my money as of the day I paid my bill. I believe Wells Fargo is purposefully, removing and delaying these transactions in order to charge me hundreds of dollars in over draft fees. I feel both companies choose to point fingers at each other while I pay the price. The fact that a transaction can post to my account one day and then disappear for a week, is a scam. Seems like its illegal, and if it is n't it should be. This type of behavior is unacceptable. I expect restitution for this most egregious hardship. A similar complaint has been filed against XXXX regarding this issue through the XXXX XXXX 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 monetary relief
Consumer complaint received 2021-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Wells Fargo secured credit card account # XXXX I was always pay on time, then fraudulent activity appeared and I discuss that with Wells Fargo but it was ignored and never resolved.

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 2022-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sold 3 French bulldogs to 3 different people and the bank kept my funds and now they wont give it back

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 2021-08-05
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Sequium Asset Solutions, LLC
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:
My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Fraudulent account Account Name : Sequium asset solutions  Account Number : Account was opened : XXXX XXXX Account Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: NV
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent XXXX and XXXX and also transunion a detailed police report to make them aware I was a Id theft victim for XXXX XXXXXXXX and XXXX XXXX  XXXX I mailed them a police report and I emailed them a police report there investigation failed to remove the id theft account from my credit report creating hardship for me obtaining credit my score was good before all this I have been fighting with credit bureaus for over 3 months to fix this and they are in violation of fcra for not removing the Id theft debt after I produced a police report for XXXX XXXX and XXXX XXXX accounts and inquiries on my credit report Im asking these agencies to please remove this permanently off my account so I can get on with my life XXXX XXXX was removed once before than added back XXXX failed to investigate and put a pending satus on my report instead of full removal and its been past 30 days

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