BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-21
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I took out an auto loan through the lender Gateway One Lending around XX/XX/XXXX. I immediately signed up for automatic payments and have been on auto-pay ever since and have never missed a payment. In XX/XX/XXXX Gateway One Lending was bought out but Santander Consumer USA Inc. In XX/XX/XXXX I received a notification from XXXX  that my credit score had fallen 40 points due to a missed car payment. I immediately contacted my new lender only to find out  that in fact their records did not show any late or missed payment, in fact the agent concurred that their records showed I have always been on auto-pay since signing the loan. The agent also supplied me with a complete payment history to support my up to date payments in which I have attached below. After reviewing the account and identifying the issue on their end the rep informed me that there was nothing she could do to correct the issue and directed me to call XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX Confirmation number XXXX I disputed the following items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As noted on the attached documents, as of XX/XX/XXXX they had not completed the investigation. I sent them a letter XX/XX/XXXX stating that the investigation has passed the 30-45 day investigation timeframe and they immediately changed the results to completed. I never received a letter stating the results. As you can see from the computer printout, they did not complete in a timely manner. I have also included a screenshot of what was disputed on that confirmation number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My former loan servicing group, Navient, mislead me to believe that I was doing everything I needed to correctly qualify for Public Service Loan Forgiveness Program. After almost 4 years and much research of my own I found that more than half of my loans were not in the correct categories for the PSLF. At that time I consolidated my loans and moved my loans over to XXXX XXXX. All of my loans are in the correct categories now, however, a larger portion on my loans will take another 120 qualifying payments for qualify. This is disappointing. I spent hours on the phone with these crooks just to be sent down an incomplete path. I talked to XXXX   XXXX and they told me there is nothing that can be done to get those loans caught up in payment numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Bread Financial Holdings, Inc.
State: CT
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:
XXXX BANK through its XXXX XXXX XXXX program allowed someone to fraudulently and falsely take out a {$17000.00} credit line at 26.9 % interest in my name and gave them a {$4100.00} advance without proper risk controls or account verification. XXXX never mailed anything to my home address of over 20 years or same for phone number. 
A month later they send letter saying I owe it. They have unknown phone and email for me and then put the responsibility to clear it on me, the victim of theft by XXXX Bank. They alone have knowledge and contact with thief but file no police report and refuse to provide credit monitoring for their inexcusable lapses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.I recently had a fraud alert placed to my account. I was told when I added the fraud alert it would keep companies from running my credit with out my consent and extra verification would be needed to obtain my credit report. That was told to me I pulled my credit report and I immediately called the credit reporting agency I was then told to file a report with FTC and this will be investigated. I was then asked what inquires was I disputing and if I could fax the information. I faxed the information and mailed the information and told again today that they have not received anything even though certified mailed said all my papers were delivered and I also have the fax conformation. 

2. I recently sent in the agreement that was reached by me and certain creditors, I am not taking responsibility for the debt me and the company simply negotiated a agreement in writing that was also sent to the credit bureaus. Still they are stating either they did not receive my paperwork. 

3 A address that is listed on my credit bureau file is the address to a bank. These companies are lying when they say they are investigating because if they were they would have known that.

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 2019-03-18
Company: Experian Information Solutions Inc.
State: CA
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 feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-07-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
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:
Recently, I disputed the validity of an alleged collection account, with Portfolio Recovery Associates, and " XXXX XXXX XXXX XXXX', which appears on credit reports with XXXX, XXXX, XXXX, and XXXX. This is an error. I contacted Portfolio Recovery, on XX/XX/19, via Certified USPS Mail XXXX XXXX XXXX, to dispute the account and balance, request a transfer of debt, and other information. On XX/XX/19, I did receive a response. However, Portfolio Recovery, did not provide any requested materials, or attach any documents, whatsoever, only a statement from their Disputes Department. I again contacted, Portfolio Recovery, on XX/XX/19, via certified USPS ( XXXX ), signed for by XXXX XXXX, on XX/XX/19, stating this response was unsatisfactory, and demand material evidence. Portfolio Recovery, never responded. In spite of failing to honor my request to provide the information, or delete the alleged account under the Fair Credit Acts,  Portfolio Recovery, and XXXX, continue to report this account in error to credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01
Company: Exeter Finance Corp.
State: IL
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:
received a credit inquiry on XX/XX/2021, XX/XX/2021, from EXETER FINANCE CORP . I absolutely have no idea who this company is and why they are on my credit report. I have attempted to contacted them via mail on XX/XX/XXXX, XXXX XXXX, 2021 and XXXX XXXX as of today I have not received any response from this company as to who they are and why they thought it was acceptable to attempt to pull my credit or pull my credit. I DO NOT KNOW THIS COMPANY AND I DID NOT GIVE AUTHORIZATION OR PERMISSION TO PULL MY CREDIT. I HAVE ATTACHED A COMPY OF MY POLICE REPORT AS IT APPEARS THAT MY IDENTITY MAY HAVE BEEN COMPROMIZED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Experian Information Solutions Inc.
State: CA
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:
Inquiries XXXX company report 1 ] XXXX XXXX  XX/XX/XXXX 2 ] XXXX XXXX XX/XX/XXXX 3 ] XXXXXX/XX/XXXX 4 ] XXXX XXXX XX/XX/XXXX 5 ] XXXX XXXX XX/XX/XXXX 6 ] XXXX XXXXXX/XX/XXXX 7 ] XXXX XXXXXX/XX/XXXX 8 ] XXXX XXXX XXXX XX/XX/XXXX 9 ] XXXX XXXX  XX/XX/XXXX 9 ] XXXX   XX/XX/XXXX 10 ] XXXX XXXX XXXX  XX/XX/XXXX 11 ] XXXX XXXX  XX/XX/XXXX12 ] XXXX XXXX  XX/XX/XXXX 13 ] XXXX XXXX XX/XX/XXXX Already I spook to customer service and send them letter to request remove this inquiries from my credit because never apply any about those companies and I am victim the inquiries issue

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 2020-07-10
Company: PNC Bank N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX, I tried to transfer money via XXXX. However, I was not able to connect with my PNC account due to PNC policy change. 
I tried to transfer XXXX  XXXX to XXXX. I have done this a few times before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
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: Information belongs to someone else

Complaint:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
beginning ofXX/XX/XXXX i had discovered i have been a victim of identity theft and some one unknown to me had used my personal information to get credit cards and personal loans under my name from XXXX and XXXX XXXX XXXX XXXX, i immediately contacted credit bureaus and notified them of my findinding and was instructed by them to file an FTC report which i did. i send my disputes to the credit bureaus and XXXX removed the items immediately and equifax stated items are under investigation and XXXX has not done nothing. 30 days has passed and i senet my second request to equifax and XXXX, equifax stated under investigation and XXXX did not even said anything which i decided to come here for help. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Remitly, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I initiated an international money transfer for a sum of US {$6000.00} from my XXXX  XXXX XXXX checking account to my XXXX  Savings account in XXXX held at XXXX XXXX XXXX XXXX, XXXX, XXXX using a service offered by Remitly. The funds were scheduled to be deposited into my XXXX account by XX/XX/2021. On XX/XX/2021, I did get a message from Remitly that there was an issue with the transfer. I was asked to log into my Remitly account, which I did. There was nothing actionable in the account. I was busy all day on Friday, XX/XX/2021 and wanted to call Remitly to resolve the issue in the evening after work. 

On XX/XX/2021, in the evening, I received a message from Remitly that my destination bank account was successfully updated to XXXX XXXX  and that the funds were deposited into that account. To be clear - I do not have an account at XXXX XXXX. The final leg of this transaction was fraudulent. I frantically called Remitly on Friday and informed them. I have been calling them daily this week - but do not have much from them. They keep saying that it is being investigated ... and that they are emailing the XXXX XXXX requesting the money to be returned. I am not sure what my next steps are here. I will be heading to XXXX  XXXX XXXX tomorrow and will let them know that this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/21 I received a letter from the Huntington National Bank of XXXX Ohio stating on XX/XX/21 I opened an Astrick free checking. I called the XXXX number and spoke with XXXX. I told her I never opened any accounts and want that closed! She said, " yeah, we've had problems with fraud. You should have a four digit account number on the letter. '' So I gave it to her, then she said she couldn't open up or close it without my social. Being a retired XXXX XXXX XXXXXXXX I know a little about scams. I told her I would not disclose my social and since she knew about scam and now had the four digit acct ending in XXXX she should be able to cross reference and close it. She became hateful and refused to help other than, " you'll just have to come to a branch. '' When my wife became frustrated and then said to XXXX, " look we live in illinois, he's in not going to drive to XXXX Ohio! You have his name, know you have scans and you have the last four digits of so called account! '' XXXX then became very defensive and when my wife said she'd take this issue to dept of finance and XXXX, XXXX slammed the phone down. We are not disclosing my social on an account we never opened, never put a dime into it. Close it XXXX!!! Now I feel I have to continuously monitor my credit report because of her suspicious reaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06
Company: PRIMARY RESIDENTIAL MORTGAGE
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I opened a mortgage with Primary residential mortgage in XX/XX/XXXX. I made my 1st payment in XX/XX/XXXX on the primary residential mortgage website. Little did I know they had turned the servicing of the mortgage over to a company called XXXX XXXX. When I attempted to make my XXXX payment that is when I was informed they are turned over servicing to the other company. XXXX XXXX is showing I never made my XXXX payment so every time I make a payment they apply it to the month before and I have to pay a little early to avoid it showing 30 days late while they are researching what happened to my payment. Which for months they have not been able to resolve even though I have provided proof of the payment to them. Now my credit score just dropped XXXX points and when I look to see why it is because Primary residential mortgage shows on my credit report as an open mortgage and so does XXXX XXXX so it appears I have 2 open accounts I do not. Also now Primary mortgage shows that my XXXX payment was 30-60 days late on my credit report but the XXXX payment was made to XXXXXXXX XXXX. When you attempt to call XXXX XXXX you are routed through 35 minutes to be exact of automated system after automated system just to be put on hold waiting to speak to someone for another 30 minutes. They told me the 1st few times that the payment would be sent over to them and it will clear up on its own. The last time I called they told me I would have to call primary residential mortgage myself to find out what happened to my XXXX payment??? Which I did and they filed a ticket to track it and in the mean time they now show a late payment for XXXX which was paid to the XXXX XXXX XXXX. I need help with this mess. this company is a mess and it should not be my issue as the consumer to track down a payment I made and they screwed up. Falsely reporting a late payment for XXXX which is separate from the missing payment and showing 2 loans on my account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Absolute Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It appears that someone has stolen my identity and got a lease in my name. I disputed this information with the collection agency and they sent me back the information that is attached. As you can see the signature on this paperwork that was sent the me from Absolute Recovery Services does not match MY SIGNATURE as evidenced by my driver 's license. This information must be removed from my report because it is not me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I HAVE ADDRESSED THIS COMPLAINT AND PRIOR TD BANK COMPLAINTS WITH XXXX XXXX 'S OFFICE TO ENSURE THIS IS HANDLED. 

TD VISA ACCOUNT XXXX XXXX XXXX XXXX. OPENED XXXX AND CLOSED XXXX. YES 3 WEEKS. {$15000.00} CREDIT LINE. THIS ACCOUNT IS NOT IN RECOVERY, NOT BEHIND IN PAYMENTS. BALANCE TD IS CLAIMING. {$380.00}. OTHER HIDDEN INTEREST PAYMENTS ADDED TO MY STATEMENTS. INTEREST KEPT BEING ADDED AFTER NOT ACCEPTING THE PAYMENT FOR 6 WEEKS. 

TD LINE OF CREDIT ACCOUNT XXXX OPENED XXXX AND THIS MUST BE CLOSED AS I HAVE NO ACCESS TO THE {$10000.00}. SHOWING OPEN ON MY CREDIT REPORT BUT NO ACCESS TO THE CREDIT LINE. BALANCE TD IS CLAIMING. {$810.00} TD VISA WAS PAID WITH A THIRD PARTY BANK CHECK OF {$1900.00} WAS MAILED ON XX/XX/XXXX BY XXXX XXXX XXXX. FOR SIX WEEKS I CALLED OVER AND OVER. I ALSO CALLED TWO BANK EMPLOYEES AT TWO DIFFERENT BRANCHES. I ALSO CALLED THE CURRENT XXXX XXXX   MANAGER THAT OVERSEAS THE BRANCHES. I HAVE RECORDED CALLS, DATES. THAT BEHAVIOR WILL CLEARLY SHOW HOW POORLY THIS BANK IS RUN, THE SABOTAGE TO TRY AND RUIN MY VERY GOOD CREDIT. I HAVE EXTENSIVE CREDIT AND DO NOT HAVE ONE ISSUE WITH ALL CREDIT LINES WHICH ARE FAR MORE THAN THESE CREDIT LINES. THIS IS NO FAULT BUT THE SHEER SPITE WORK OF TD BANK. TD KEPT THE CHECK THAN DECIDED AFTER SIX WEEKS SINCE FIFTH THIRD BECAME INVOLVED THE CHECK WAS REJECTED ON XX/XX/XXXX. ELECTRONIC PAYMENT WAS COMPLETED FOR ANOTHER {$1900.00} ON XX/XX/XXXX FROM MY FIFTH THIRD CHECKING ACCOUNT AND DONE BY A THIRD PARTY WHO HAS BEEN INVOLVED AS A NON ACTING ATTORNEY TO TRY AND FUSE THE MATTER. 

CONSUMER AFFAIRS HAS DISPUTED BOTH BALANCES WITH THE CREDIT BUREAU 'S. TD CONTINUOUSLY VIOLATES BANKING RULES. I HAVE ALSO REACHED OUT TO REP. XXXX XXXX 'S OFFICE. TD EXPLOITS, CREATES SET UP FOR FAILURE FOR THE CONSUMER TO GIVE UP AND PAY! 

MY LOAN STATEMENTS WHEN I LOG IN DOES NOT PROVIDE A PROPER FINANCIAL STATEMENT WITH INTEREST PAID MONTHLY OR DAILY. I HAVE ASKED FOR THIS FOR FROM DAY ONE. HOW MUCH IS MY DAILY INTEREST, MY MONTHLY INTEREST. I WANTED THIS MONTHLY. I REQUESTED THESE STATEMENTS BE MAILED TO THE PO BOX THAT THE ATTORNEY SET UP. I NEVER RECEIVED ANY INFORMATION I ASKED FOR. I RECEIVED ONE LETTER WHICH SPEAK IN VOLUMES ON THE LOW LEVEL OF INTELLIGENCE AND INCOMPETENCE ON A CONTINUOUS BASIS. I HAVE PAID {$6000.00} A HEAD OF SCHEDULE ON XX/XX/XXXX. I WAS TOLD I AM NOT ALLOWED TO MAKE FUTURE PAYMENTS! THEY KEPT THE {$6000.00} AND STILL CHARGING INTEREST THAT IS NOT BEING APPLIED TO PRINCIPAL. THE LETTER STATED I WRITE ON MY COUPON BOOKLET " APPLY TO PRINCIPAL '' SURE, WHEN I MAKE AN ELECTRONIC PAYMENT I WILL BE SURE TO ADD MY COUPON! NOTE. TD BANK WILL NOT TAKE MY PAYMENTS IN AT ANY BRANCH AND ALSO BY POST. THIS IS VIA THIRD PERSON WITNESSING THIS. ALSO BY POST.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company called XX/XX/XXXX and I asked for everything to be written communication and no calls. XX/XX/XXXX I received a call from a rep named XXXX regarding the account. When I told her I asked them to not call she said they wouldnt stop.

Company response to consumer: Closed with explanation