BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am currently working with my fathers attorney applying for Medicaid because my father and mother are both in a nursing home. I am the Trustee of my fathers Trust and I am his Power of Attorney. The beginning of XX/XX/XXXX I contacted Capital One to close a 360 Savings Account. I was told that I needed to send them the Power of Attorney documents. I sent them on XX/XX/XXXX. Since that time I have called and called and the response is that department is backed up - we are going on 60 days to close an empty account. The account has a XXXX  balance - I just need it closed. 

Talking to a supervisor is useless they know nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XXXX is violating my right to due process. They are providing misleading and false information attempting to make they loan unfavorable for all parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: The CMI Group, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Management LP d/b/a XXXX XXXX I returned my cable box to XXXX when I cancelled my service with them, and they charged me {$82.00} for this box. I was able to dispute the bill and have it removed from XXXX   and XXXX, but it is still showing on my XXXX credit report, and I can not get them to remove it. When I disputed it with XXXX, the response was that it is valid - completely different than the XXXX and XXXX credit responses. I do not owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08
Company: SYNCHRONY FINANCIAL
State: TN
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:
They've contacted me 10x per day starting XXXX Asked them to stop calling on XXXX still call multiple times per day Also have taken money out of my account 4 times which I never aurhorized.

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 2019-03-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was buying a car without financing and the dealership pulled my credit without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: EQUIFAX, 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:
During the month of XXXX I paid {$19.00} for a sent a certified letter to the credit bureau Equifax and XXXX on XX/XX/19. I received confirmation for Equifax with the tracking number XXXX and for the letter with XXXX   XXXX were delivered on XX/XX/19. I paid my credit monitoring account {$29.00} today to review my credit report with Equifax and noticed that the invalid/fraudulent accounts has not been deleted nor have I received any correspondence from them to my address. According to the Fair Credit Reporting Act, Section 611,  Equifax and XXXX has 30 days to investigate and delete the disputed items. It is not XX/XX/19 and it has been over 60 days and the items are still being reported on my credit reports and causing unnecessary health strains on me as a consumer. I am filing a complaint with the Consumer Finance Protection Bureau to get the help I need since my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: EQUIFAX, 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 demand they remove these inquiries of my credit report. I did not authorise these on my credit. Equifax and XXXX refuse to remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: CITIBANK, N.A.
State: TN
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:
XX/XX/2017 XXXX  is only credit reporting 30 days late on XXXX XXXX account. I have contacted the creditor and they sent information to all 3 credit agency that my account was never late. 
XXXX and XXXX corrected and updated my account information. 
I have written letters to XXXX to remove lates because that is not accurate information. But have not been able to get this 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 explanation
Consumer complaint received 2018-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I've been a client of Bank of America for over 25 years and was an employee there for 13 years. 

Starting this year, BofA started charging my personal checking account $ XXXX as my balances were not over {$10000.00}. They should have been charging $ XXXX. When I went to the branches, two would not process a change as they were too busy while the XXXX number could only change the type of account I had. It seems that the $ XXXX was a 'high interest checking ' account that pays 0.01 %. If my balances were too low to warrant this high interest checking account that a branch employee switched me to once upon a time without my knowledge, the account should have migrated to the appropriate account type for the balances that I was keeping. To make {$25.00} a month on this account, someone would have to keep over {$55000.00} in the account. As such, charging a low balance account for something that they can not use seems very XXXX XXXX of BofA and suggests a move toward enriching themselves at the cost of their clients by moving them to unsuitable products. I don't care about me and the few dollars that I paid unnecessarily - I'm concerned about all of the people who are being taken advantage of.

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 2019-10-05
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2019 XXXX I walked in to wellsfargo bank to dispute some on going charges that I did not give any say so on my accounts ... there were muilt accounts opened and transferred to without my perimison ... I ask to dispute them I received paper in the mail saying there is no further investigation for my wells fargo that its been a charge off account for XXXX dollars

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 2019-10-05
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Experian refuses to provide a mailed hard copy of my free annual credit report. They sent me a postcard stating that they could not provide it to me because I did not provide sufficient identification information and would need to submit information to them ( with no address given ) to get my report. They also state that I can get the report online. First of all, I provided them a copy of my drivers license and utility bill in the past, so they are continuing to harass me for this information so they dont need to comply with the FCRA. Second of all, they did not provide any address to submit documentation. Further, there is a cost to make copies of the documents that they are requesting and there is a cost to mailing this information. How is this meet the criteria for my free annual credit report? I am not sure why Experian feels that they can continue to avoid following the FCRA and continue to force me ( harass me ) to provide additional information, which I have provided to them in the past.

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 2017-11-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
A woman called me from a XXXX number asking to speak to XXXX XXXX, my mom, when I asked her who was calling and what company she was calling from she declined to answer. So i started recording the phone call through XXXX voice, She then asked to speak to my mom again, i then asked again who she was and what company was she calling from. which she then recognized that the call was being recorded, she then asked my why i was recording the call. I told her because I always record calls from numbers i do n't recognize and have blocked caller Id 's. she then hung up the phone. 

So I XXXX the number XXXX and it resulted in XXXX XXXX. Ill attach a copy of the recording for your review. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am to repay my student loan, my original loan payment went from {$5.00} to {$280.00} after Navient bought my loan from a creditor. this is illegal practice I do should not have to jump through hoops to get my payments back to what they were, I want a new lender to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ; Experian and XXXX are reporting incorrectly that I am in Collections, and 120 days or more past due, on the DP OF EDUC accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 17 and 18 of the attached credit report. I have rehabilitated these accounts and I am no longer in collection status. Also attached are copies of my bank statements reflecting these payments in accordance with my agreement for the rehabilitation program. This incorrect reporting is harming my credit score.

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 2019-10-05
Company: WELLS FARGO & COMPANY
State: NY
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:
On XX/XX/2018, my authorized user purchased a visa application in the amount of {$120.00}. This was able to be cancelled and refunded since he never went through the biometric processing. I was told this would be refunded within 12 weeks ( after Wells Fargo allows disputes ). When I contacted Wells Fargo about this, they told me I was unable to dispute the purchase since it is after their internal deadline of 90 days to begin a dispute.

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 2021-09-18
Company: EQUIFAX, INC.
State: LA
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:
These accounts, I feel, are having a negative impact on my credit score and costing me XXXX  of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had bought my home in XX/XX/XXXX, and I fell behind on mortgage payment in XX/XX/XXXX, but I was able to get a repayment plan with M & T Bank in XX/XX/XXXX after becoming unemployed in XX/XX/XXXX. Also, I had fell behind in HOA dues in XX/XX/XXXX, and I tried to get a repayment plan from them in XX/XX/XXXX, but they would n't negotiate. Actually, they returned my money order. 

Recently, I have stopped making mortgage payments due to misinformation from the bank that the HOA was n't the owner that I am. I have learned otherwise through a title search that my bank deceived me from the truth of ownership. 

Now, when I call the bank 's attorney, I am always asked if I have a lawyer before I can speak to the attorney. My question is, will I get a notice from bank when I can move my personal possessions out. I was told that the bank will not be the owner after the foreclosure. How not? 

Because of this bank, I faxed the HOA notice to vacate to them for direction, and they ignored it. I called M & T Bank, and I was told that I am still the owner of the property. Today as I write this complaint, I am still told the same information. My personal property remains in the house, and I am not helped in accessing the home by this HOA to retrieve them. They refuse to work in good faith with me to let me view the inside as proof. I do not believe their word, because of their process of no repayment plan. I could n't afford an attorney during this process. 

Both the bank and HOA took advantage of my lack of the laws and legal representation. My whole life is in this house that I 've acquired over my XXXX years. Others that I shared my story have never heard that an HOA want to do this. 

I feel emotionally helpless and frustrated thinking about my personal papers, unreplaceable family pictures, and other personals that are unreplaceable. My house was stolen from me, but I am pleading for the return of my possessions. That 's all!

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 2022-08-11
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX {$1300.00} 2. Holloway Credit Solution {$40.00} I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2. it also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2. it also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2. it also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2. it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I submitted a letter to Equifax Credit Bureau requesting them to verify the source of reporting of a Chapter XXXX bankruptcy on my report. They claim on my report that this was received from the US District of Virginia Courthouse. I included with my letter, a signed letter from the courthouse stating they DO NOT submit information to any credit bureau. I received a response from Equifax stating they looked into my dispute and they claimed the reporting was accurate and sited XXXX XXXX, a third party provider, as the source of their information on my report. Based on the information I 've provided, this is clearly inaccurate and false reporting on my report. I am requesting that they remove this from my report permanently and all accounts included in said bankruptcy such as charge-offs and collections. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XXXX well not respond to my mail, calls or disputes I sent a 609 credit letter and XXXX XXXX still has failed to respond or give me anything

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 2019-10-05
Company: EVERBANK, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This is in regard to a rollover request I initiated with TIAA Cref to my XXXX XXXX retirement account. I hold a total of four accounts with my former employer ( XXXX XXXX XXXX XXXX ) that is administered with TIAA. I initiated a rollover online with TIAA back in early XXXX. After waiting two weeks with no signs of account transfer or notification from the TIAA, I called and was informed that XXXX requires additional forms that needed to filled out, notarized by my spouse and sent to them. This was the first time of their lapse in communication. After having my husband notarize the apprpriate forms, I scanned and uploaded the documents to their online portal. The forms were exceedingly redundant and basically the same information filled out four times in total. To my disbelief and annoyance, only two of my accounts were transferred in early XXXX. Again no TIAA represntative reached out to me and I was only made aware when I called again that one checkbox on one of the duplicate forms was not filled out causing two of my accounts to not been rolled over. I again scanned the appropriate forms and uploaded them to their portal but again only 1 out of the 2 accounts still has been transferred as of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have never in my life applied for, nor carried a car note. There are countless companies reporting erroneous, and damaging inquiries on my credit report without my initiation. The majority of whom have ignored the repeated requests to cease authorization attempts, remove the previous credit reporting requests and void my information from their databases.

The credit bureaus have reported inaccurate SSN, birthdates, telephone numbers and addresses on my credit report. It stands to reason that they frequently have resulted in the inaccurate data that has been, and continues to be both tirelessly reported, and disputed.

Company response to consumer: Closed with explanation