BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-11
Company: AES/PHEAA
State: CA
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:
I was duped into an interest-only payment plan, I was switched to a long term graduated repayment plan for 25 years. Now am paying nearly 100 % interest and making zero progress on principal. I was never notified how much interest I would be paying ( an exorbitant amount compared to principal ). I have not been paying these since XX/XX/2016 and have paid over {$26000.00} without anything being applied to principal ( {$65000.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: FC HoldCo 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:
This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX and 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 2018-07-12
Company: Ability Recovery Services, LLC
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:
The fact that XXXX  is the Worse Company to assist you with disputing Fraudulent accounts from your credit Is not even the big problem at this point besides all the times I've contacted them and the agents where very rude even requested a supervisor and had some hang up on me I provided them police reports waited 30 days for them to say the accounts are. A few months ago I noticed 4 fraud accounts on all 3 credit reports. I called all three CRA 's and they told me to file a police report if I think the accounts are not mine. I picked the police report up from the police department. I made copies and sent it to all CRA 's, I also included a statement saying that the fraud accounts are not mine, that they should be blocked immediately. XXXX  and XXXX removed ALL fraud accounts, but XXXX   started the '' dispute " process. The 4 Companies are Ars llc opened date XX/XX/XXXX XXXX XXXX opened date XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX and the fact that XXXX XXXX wrote a letter years back and had it notarized that he was responsible for this account and the fact that even with that XXXX   still wouldn't assist with removing this debt the last company is XXXX XXXX date opened XX/XX/XXXX. The Companies all want to do pay to deletes They were trying to assist but besides me advising them that it was fraud they referred me to 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 2020-12-01
Company: TRANSUNION INTERMEDIATE 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: Account information incorrect

Complaint:
On XX/XX/XXXX XXXX XXXX reported account # XXXX as 120 days late. 

The last payment made on the account was XXXX, XXXX. No payments have been made since that date. To now show the account 120 days late is purposely hurt my credit score. 

I am enclosing the before and after reports as well as the account posting.

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 2021-10-07
Company: ROBINHOOD MARKETS INC.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Robinhood lied to Congress about their lack of support system and that has not changed. Trying to deactivate your account is hard coded to fail and sends you to an email form. I have demanded multiple times that I no longer authorize this account and they refuse to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Credit Clearing House of America, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is in violation of several FDCPA laws. This company is reporting unverifiable and inaccurate information on my credit report. I demand this company to send a validation of debt letter also Pursuant to 15 USC 1692c ( c ) I am notifying this company in writing that I refuse to pay this alleged debt, and I am also demanding that this company cease all forms of communication with me through any and all mediums.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Requested a copy of a signed credit card agreement to Capital One, regarding a debt they said I paid late. Such false information is being reported on my credit report. 

I demanded a copy of the agreement and they sent me a letter stating that they did not have any written agreement but continue to report false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: GA
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:
Good afternoon. I am writing due to Equifax reporting information on my consumer report that was not authorized by me which has made my consumer report unfair and not equitable to me. My privacy was breached without my consent and my right to privacy was violated. Equifax never had permissible purpose **15 USC 1681 B ( 2 ) ** to disclose any of my personal non public information. I never instructed Equifax to furnish this report or to create this report. I never consented. I instructed Equifax to remove all of my personal non public information such as payment history, employment history, an addresses and they declined my request. I want to have the information such as payment history, employment history, and addresses removed. I have disputed this information as well as demanded for the information to be removed and my requests were denied. 15 USC 6821 ( a ) ( 2 ) states that furnishing fraudulent information such as late payments is a violation. I have requested that all late payments be removed for my Equifax consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Merchants & Medical Credit Corp. XXXX XXXX XXXX, XXXX, Michigan XXXX Has fraudulently reported a debt that is unrelated to me entirely. They have attempted to collect from me as well. 

They have been unresponsive to my calls and inquiries requesting personal information including my social security number and banking information whenever I try to determine the cause of the debt. When I do not give them my personal information they refuse to give me any further information on the debt. 

I am concerned that this debt could be the result of identity theft which is why I am hesitant not to give my SSN # or Bank ACCT # and ROUTING #. 

These seem like bizarre requests in order to gain more information anyway. 

I am concerned that this is a criminal enterprise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Williams & Fudge, Inc
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My sister received a call from a company called Williams and Fudge. From a rep named XXXX or XXXX. She proceeded to tell my sisters sensitive information about my student loan account which I was already aware of. I told her at that point I did not want to work with their company because I was handling the matter through my university. She became very disrespectful saying that I was constenting for my loans to be dilinquent. Which I never verbally consented to do. The phone call escalated with me hanging up. I called back to complain and that female caller was rude as well. I asked her multiple times to send my call to a manager and she would not. Eventually she sent my call to a supervisor name XXXX who was just as disrespectful. I said i will pay the loan but I didn't want to work their company. They said it was either them or the highway. I hung the call up because yet AGAIN we were getting nowhere. These people will try to intimidate you and threaten you. Beware!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
OnXX/XX/2020I purchased a plane ticket using my credit card to fly from XXXX XXXX to XXXX XXXX, and returning for {$480.00}. The amount was posted on my credit card on XX/XX/2020. However, due to the Covid 19 pandemic the countries of XXXX and XXXX cancelled flights due to the pandemic. I was planned to go in XX/XX/2020, but due to the flights being cancelled I filed a credit request to my credit card company. On XX/XX/2020 the credit card company ( Capital One ) provided a credit for the full amount. But on XX/XX/2020 the credit card company charged the airfare again ( rebilled ) for {$480.00} claiming I had not provided enough evidence to substantiate my claim. I proceeded providing documents that showed USA had restricted traveling to other countries. I also provided documentation showing the Center for Disease Control had asked travelers not to travel to XXXX and other countries. I also provided documentation showing XXXX had closed its airports for traveling. I have called several times Capital One and provide the evidence they requested but they refuse to provide me the credit for a service I never used since I had cancelled my traveling plans directly with the airline company ( XXXX XXXX from XXXX ). Please help me with my case. Thank you so much!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-03
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:
Equifax, has an address on my account that is not mine and never been mine or anyone in my family .... XXXX XXXX XXXX , Ga. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a second dispute letter to Comenity Capital Bank/XXXX and all 3 credit bureaus regarding a credit account that was opened in XXXX and has 10 inaccuracies. It is well over 30 days and there are still 10 inaccuracies listed on my credit report and the account still has hasn't been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage at Chase bank to purchase a property in XXXX XXXX. XXXX XXXX was my loan officer. The loan eventually went through after a nightmare of a process. XXXX XXXX was completely incompetent and unprofessional in every way. We had a very short 21 day escrow without loan contingencies. XXXX recommended we do that because he promised he would have no problem closing the loan in 14-17 days as he had had my paperwork for months because he was working on another loan for me. Not only did he start out by switching two numbers in my annual income ( {$150000.00} became {$190000.00} in the loan application! ) he then went on to failing to disclose to the underwriter that I have a $ XXXXmonth child support payment that he's known about since day one. He also did not submit my divorce agreement to the underwriter. He was either trying deliberately to hide it from them, or actually just forgot about it - either is equally bad. The result was that my loan got flagged all the way through the system, we went to national exemptions desk and eventually closed over 2 weeks too late with huge financial and personal costs for me and my family. We had to pay contractors waiting fees for weeks and cancel work and family vacations because of XXXX 's incompetence. It turned out my debt to income ratio was too high, which XXXX had known all along since he had all the numbers for months. But he still pretended to me he could close in 14-17 days when he knew very well that would be impossible. He basically dragged me and my family along on an incredibly risky journey, that he had no idea if he could even finish, or when. And all along he kept telling me everything was fine, we would close tomorrow. Then the day after, then the day after. Just completely unprofessional and unacceptable. He had no idea if he could even close this loan, because he knew the numbers were off, and he still took it on. 

My experience working with XXXX was terrible. He never told me the truth about what was going on. He was never on top of the situation, and was constantly surprised by things that should be super obvious - Like the fact that he can't hide a $ XXXXmonth child support payment from the underwriter, or that my debt to income ration has to be at a certain level. He also was never right about timing. He ended up closing 2 weeks too late. Which had grave consequences for me and my family. All in all my experience with XXXX was a nightmare, and I hope nobody ever has to be exposed to what he put me and my family went through again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I logged onto my XXXX account since it had been taken over from MB Financial via a merger and I was surprised to see at total of {$39.00} deducted as a monthly fee of {$3.00} over the past 13 months. I am surprised because my original agreement with MB Financial for this XXXX included a guarantee of no monthly service fees ( that is, it was a free account ). 5/3 bank never informed me that they were going to charge this fee, nor did then even send me monthly statements showing that they were taking this fee from my account. This is suppose to be money set aside for health care or a medical emergency, and 5/3 is slowly depleting it without my consent. I would like this fee refunded. I do not believe it is acceptable practice for a bank to start charging fees on an previously free account without obtaining informed consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Santander Consumer USA Holdings Inc.
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello, I purchased an auto through Santander Consumer USA in XXXX. I put down {$8000.00} and made regular on-time payments until it was paid in full this year, in XXXX. My husband was joint with me on the account. Santander reported our good payment history accurately for 5.5 years. One day the account was just missing from our reports. Initially I called the credit bureaus, they told me it was " In the background '' and all Santander Consumer USA had to do was give them a call, and have them " re-insert '' the information. I have called in and spoke to Santander Consumer USA at least 4 times. One time the representative laughed at me and told me they were not going to report. I sent at least 3 certified letters to them including copies of each my payment history, my statement showing a XXXX balance, as well as my credit report showing it missing, along with requests to report accurately. They refuse to correct the situation! Or even respond to my last letter, that included the credit report, that they told me to provide! NOW I am concerned my credit report information will be used inappropriately by one of their employees, given the unprofessional treatment they have shown me so far. I am at my witt 's end with them. It was a high interest loan, and I feel very taken advantage of by this company!! I believe Santander Consumer USA is violating the Fair Credit Reporting Act, and should have to pay the fine for doing so, as well as damages to my husband and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE 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:
Re : Removal of Fraudulent addresses To Whom It May Concern : On XX/XX/XXXX I received a copy of my credit history report from Transunion. That Report contained incorrect information reported by you. 

I have addresses listed on my credit report ( s ) that resulted from crimes of identity-theft. Having the following addresses listed on my credit report ( s ) has made it difficult to verify my true identity with creditors. It is a violation of the FCRA to have inaccurate information or reporting information deemed as fraudulent. I also provided a copy of an FTC Report to help substantiate the legitimacy of this dispute. I request that all addresses listed below be remove within 15 days. Failure to comply shall lead to complaint 's being filed with XXXX XXXX XXXX, Consumer Financial Protection Bureau, Federal Reserve, and other advocacy groups. 

1. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. XXXX XXXX XXXX XXXX XXXX, FL XXXX 3. XXXX XXXX XXXX XXXX XXXX, FL 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 2020-12-01
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Credit report is missing previously paid off car loan. I made an attempt to correct this omission but mailing a packet of all needed verifying documentation. I called Equifax today to inquire about status and they could not verify my identity and had no record of my mailing which had been received and replied to by the other 2 credit bureaus. This packet included sensitive identifying information and was lost in system. Equifax also failed to unfreeze my credit account as I requested via mail about 6 months ago per their stipulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, INC.
State: UT
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 been a victim of Identity Theft as well as several Data Breaches.  The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove 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 response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 been a victim of Identity Theft as well as several Data Breaches.  The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove 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 2018-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have several queries from the same provider ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX NJ XXXX ) for the following dates : XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, on my TransUnion and XXXX accounts. Please delete these queries immediately.

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