BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-30
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
I started my bankruptcy procedure in XX/XX/2019 at XXXX XXXX XXXX XXXX XXXX, XXXX. Before the bankruptcy procedure I initially wanted to avoid the Bankruptcy due to the negative impact it would have on my credit rating in the long run, so in order to exercise other avenues I went with Consumer Credit Counseling of XXXX XXXX, Iowa.The approximate date was XX/XX/2019. Prior to this I initiated a Debt Settlement Plan with a company in Texas, that turned out to be fraudulent ( I sent them XXXX to procure a settlement lawyer ). Through research and a few unsettling problems with the company I decided to work with the XXXX XXXX XXXX XXXX in XXXX XXXX, Iowa. During this time my counselor was trying to work out my financial budget plan for repaying each creditor. He stated that Discover would not work with the monthly payments that we decided on, which I believe was approx. {$100.00}, they insisted on {$300.00} down and after that $ XXXX- {$150.00} approximately paid monthly. My counselor advised me that my best option would be to file bankruptcy. After that I received a summons ( on XXXX ) stating that I was being sued. I was not informed prior to the summons that Discover Card was in the process of suing me nor did I receive a warning by written decree within an amount of time that would be viable to act upon in order to resolve the issue. During my Bankruptcy filing I received another summons in the mail stating that a date was officially set for a court hearing ( a response would be needed from me before the court date was set ). So, in order to avoid going to court I decided it would be in my best interest for my protection to pay the full amount needed for the bankruptcy to be closed ( which was XXXX ),  then I was told by my lawyer that Discover would not take action any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: SANTANDER HOLDINGS USA, INC.
State: CA
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:
in XXXX i purchased a used car from XXXX XXXX it was financed through Santander. 
XXXX XXXX XXXX XXXX XXXX, Texas XXXX. Around the time of XXXX we found out the our Loan was a charge off. Closed on XX/XX/XXXX with a balance of {$2700.00} I am not really understanding, because there is a Loan Amount on our CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
FCRA VIOLATONS : NOT MINE Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9200.00} Status Account charged off. {$40000.00} written off. {$9200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3400.00} Status Account charged off. {$3600.00} written off. {$3400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$940.00} Status Account charged off. {$940.00} written off. {$940.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2400.00} Status Account charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX # XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$580.00} written off. 
XXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Collection account. {$1900.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$540.00} Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2800.00} Status Collection account. {$2800.00} past due as of XX/XX/XXXX. 



XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Specialized Loan Servicing Holdings LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I own an investment property at with my ex-husband where he hasn't paid the mortgage in a long time. The court has given me authority to act as sole negotiator for this property and I listed the property with a real estate company. The property is in foreclosure state but we have a buyer who has given us a contract to buy it for {$140000.00}. The total balance owed to Specialized Loan Servicing is {$160000.00} and to XXXX XXXX XXXX where we borrowed the downpayment is {$21000.00} where he hasn't paid either. XXXX XXXX has a second mortgage on the property. 

The title closing lawyer has requested a payoff from SLS that would be a short sale. I submitted to SLS an application to ask for a short sale. But they will not answer. The act of sale was supposed to be today, but the lawyer says we can't do it because we don't have agreement from SLS for final payment. 

This is causing me a hardship because I am trying to settle these debts and restore my credit. I was out on XXXX XXXX for 7 years and just went back to work where I am being garnished for debts my ex husband has not been paying. He is on XXXX and not responsible. 

I am attaching the application the title lawyer sent to SLS to approve short sale and the last payoff statement they sent my real estate agent in XXXX when I listed the property for sale. I am a responsible person and trying to do the right thing and sell this property, but it is not worth as much as is owed on it so this is the best I can do to sell it. It's just not right that they won't answer when I have a buyer ready and able to buy the property. And I might lose the buyer if we can't go to act of sale as soon as possible.

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 2018-04-11
Company: State Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
STATE COLLECTION SERVICE IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately. I have NO signed contracts with them OR THEIR CLIENT!!. I believe it's also a violation of the HIPPA ACT by placing my medical information on a credit report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
many times, during my repayment i qualified for financial hardship. 
I was constantly steered away from that to a forbearance. Which has exploded my loans because of interest

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
At the beginning of XXXX, I found out that all my accounts in Bank of America are closed : 1. Checking account 2. Credit card account 3. Business checking account In my profile, there is the note - not to open new accounts for me 1. I never had any debts in the bank 2.  Never made any suspicious operations That created a huge problem because there was no notification about this and I can't pay the salary to my employees because I can't get access to the funds and no one knows when I get my money But the worst! Why? Why my accounts were closed? What was that problem that accused and that can't be solved with the bank we really liked as the family and as the business?

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 2019-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I made a final payment to Capital One to finish paying off my account. I contacted customer service in an attempt to see if it was possible ( since Ive never been late or missed a payment ) to waive the interest to be at {$0.00}. They denied my request and refused to provide assistance. After being transferred to a supervisor, she explained she cant do anything either and starts offering me other things. I asked for another # to call, HR or a manager, she declined and said thats it. Capital One needs to have somewhere where their customers can express their grievances ; not just a level 2 customer service representative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-12
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Experian Information Solutions 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:
Experian and XXXX  continue to report negative fraudulent information on my credit report. They are in violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 am a victim of identity theft. The companies " XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' damaged my credit with fraudulent information for the amount of {$1600.00}. I requested on XX/XX/XXXX via fax to both companies to stop reporting fraudulent information, investigate this matter and remove fraudulent information from the CRAs. 

As of today, no answer has been received and my credit is still severely damaged. Before this incident, my credit score was 820+.

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 2018-10-11
Company: Certified Credit & Collection Bureau
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Letter dated XX/XX/18 indicated that I owe a total of {$430.00}. I do not know how I owe this amount to XXXX XXXX, as they charged my insurance already.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
CapitalOne credit card provides an extended warranty that doubles the original manufacturer warranty up to a maximum of twelve ( 12 ) months on most items you purchase. For products with multiple warranty components, each warranty time period will be extended up to a maximum of twelve ( 12 ) months. Should you fail to properly register the original warranty as required by manufacturer, we will only double the actual warranty time period that you received from the manufacturer. An example of a product with multiple warranty components includes an appliance with original manufacturers ( or U.S. store brand ) warranties that differ for parts, labor, compressor, etc. If you do not have an additional service contract or an optional extended warranty, this Extended Warranty benefit commences the day after your original manufacturers ( or U.S. store brand ) warranty expires.

Coverage limitations : The maximum Extended Warranty benefit for repair or replacement shall not exceed the actual amount charged on your MasterCard card or {$10000.00}, whichever is less. 
en I called Capitol One XX/XX/2018. and attempted to redeem the extended warranty coverage it did not appear to be a problem since the warranty doubles the original time of the purchase. CapitalOne has failed or refused to honor the extended warranty which is unfair, deceptive, and abusive practices.I ask the CFPB to take action against this companies that break the law and disregards its own policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Commonwealth Financial Systems, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently reviewed my credit bureau and have a debt being reported by Commonwealth Financial for {$130.00} that shows as medical debt. I had insurance for XX/XX/2018 that was supposed to pay more on this debt. 

I never received a letter regarding this debt and when I went to the organization 's website they do not give an address. They only provide a phone number which I think violations the FDCPA because there is no way to send a dispute into them as they do not list their mailing address. 

As I do not owe this debt, it should be deleted from my credit bureau. I am consulting with an attorney regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I requested a credit increase with my credit card company and that request was initially accepted. A few months later, I requested an additional increase and it was denied solely because they limit increases to once every 6 months. My credit is impeccable - 30 years without a late payment. The reasoning for giving credit and credit increases should based upon the history of the account holder, not some arbitrary window of time. I believe that Capital One has implemented this policy as a means to lower credit scores and make more money on the higher interest rates. It is clear that credit scores are based upon available credit and low balances related to that available credit, aka credit limit. I have watched my scores closely over the years and while I have consistently maintained excellent credit, I see those scores lower when more available credit is used. If I can not raise the credit limit, I run the risk of having a lower credit score even if I pay off all my credit 100 % of the time. This is truly a credit industry scam. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Experian Information Solutions Inc.
State: SC
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:
FOLLOWING THE RECENT EXPERIAN CREDIT BREACH LISTED IN RECENT SECURITY WORLD WIDE ALERT STATES THAT THAT ONLY AFFECTED THE  CONSUMERS WHO VIEW THEIR EXPERIAN REPORTS ONLINE ( SEE ATTACHED EXPERIAN WEB DOCUMENTATION TO PROVE THIS TRUE ) I NOTICED THIS UNAUTHORIZED FINANCE ACCOUNT ( THAT WAS PREVIOUSLY DELETED/AND MARKED AS AN UNAUTHORIZED FRAUD ACCOUNT ) FOLLOWING THIS RECENT EXPERIAN CREDIT DATA BREACH EXPERIAN HAS RE-APPLIED THIS UNAUTHORIZED ACCOUNT ( XXXX XXXX {$1600.00} ACCT # XXXX ) BACK ON MY CREDIT REPORT WHICH IS ( AGAINST THE FDCPA LAW ), ALSO THIS ( UNAUTHORIZED HARD INQUIRY ON MY EXPERIAN XXXXREDIT FILE ) XXXX XXXX XXXX XX/XX/18.

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 2022-06-09
Company: EQUIFAX, INC.
State: AL
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 an account of {$400.00} from XXXX XXXX thats reporting in my name and it was opened in my name fraudulently. It was opened XXXX, 2019 I also have an account from XXXX XXXX in the amount it {$4700.00} that was opened in my name fraudulently. 

I need these removed from credit report asap its hurting my ability to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
All 3 credit reporting agencies will not remove old hard inquiries, as well as recent hard inquiries where I had multiple credit inquiries for a single transaction ( e.g. car purchase ). It is standard business practice for the credit reporting agencies to treat multiple credit inquiries as to the same transaction as only one inquiry. On 2 occasions, have had multiple inquiries ( which I only authorized one ) all counted in my credit score that has since significantly reduced. XXXX, for example, shows 19 hard inquiries. I have now been denied credit on this basis when my credit is otherwise perfect. At least 10 of these inquiries related to single transactions or are older than 2 years.

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 2022-06-09
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: Reporting company used your report improperly

Complaint:
I applied for a new credit card at XXXX XXXX XXXX  and as I was viewing my credit report and I noticed alot of inquiries that I have never given written authorization or had no knowledge that these inquiries that had been made as I did not authorize them. I only authorized the XXXX XXXX Inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: AES/PHEAA
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I reached out to the number on my credit report about an old student  debt that was paid off In 2015 Im trying to have it removed from my credit report and Im not getting anywhere. The company said that I would have to speak with the default team to have it removed but I dont believe they will remove it this has been on going for about a year to have it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: ID Analytics, Inc.
State: TX
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:
XXXX XXXX XXXX hired XXXX XXXX to run my credit bureau check. I have left several voice messages for a call back from XXXX XXXX and they have not returned not one call ( even after so many voice messages ). I called XXXX and was told that someone would call me back. All I want is my credit bureau report that my wife and I are requesting. 
This is their address : XXXX , XXXX, XXXX XXXX, XXXX XXXX, CA, XXXX. XXXX. 
My currenct credit score is in the 600 's, but thanks to them, the other credit bureaus deducted two points. XXXX not only denied me credit, but they help ruin it. 
I have never heard of these people and their practice and I know they are affiliated with ANALYTICS. The traitor company that I have heard so much in the media. Please investigate them and get back to me and let me know how I can help to bring down this credit scam that they are offering. Seriously, from 600+ to a XXXX. This is serious.

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