BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-17
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I despuied information with credit bureau XXXX/XXXX/XXXX XX/XX/2018 .. 
XXXX  has updated account information and removed from my credit file however XXXX/XXXX WILL NOT UPDATE INFORMATION ON MY FILE .. I HAVE ALSO REACHED OUT TO THE COMPANY ITS SELF AND THEY WILL NOT RELEASE INFORMATION AS IN WHAT THE CAR SOLD FOR AFTER REPO ETC..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: Diversified Consultants, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I owe to  XXXX   XXXX   XXXX  and diversified consultant bought my account and they said on the phone if I pay them then my collection will be removed from credit report and I paid them off their amount, they said go ahead dispute with credit report which I did already and they said we will just updated on credit report and they played with me and lied and it was  2015

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Medical Data Systems, Inc.
State: AK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received email alert from XXXX XXXX of a collection on my credit record on XX/XX/XXXX. Filed Request for Credit Report with XXXX XXXX and XXXX credit reporting agencies. Reviewed all 3 credit report agency reports and found the following discrepancies : 1. Collection of {$370.00} were reported on XX/XX/XXXX with XXXX, XXXX and XXXX 2. XXXX and XXXX also report an incorrect past contact or address Disputes were filed online with XXXX  XXXX and XXXX An EOB from XXXX XXXX XXXX XXXX for XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$370.00} was received by me that stated Amount You May Owe Provider : {$0.00} soon after the date of service. No other communications of any kind from any person or organization were received by me nor my husband regarding this visit at any time until I received the email from XXXX XXXX mentioned above on XX/XX/XXXX. As a further note, it should be known that I am the Step-mom and have carried the minor on my policy with XXXX XXXX XXXX XXXX since XX/XX/XXXX as he was a minor child and other medical insurances were either unavailable or unaffordable and they continue to be. XXXX has removed the collection from my XXXX credit report. XXXX and XXXX will not remove this derogatory mark even though I was never informed of any debt what-so-ever. XXXX and XXXX state this collection will reside on my report for the next 7 to 10 years. PERSONAL STATEMENT : I have been successful in paying all my bills, on time, always. My credit WAS excellent, and Im not fussing over a {$370.00} bill. I WANT TO KNOW How can someone out of the blue just throw something on your credit report without even making an attempt to contact you? Is this legal? As of this time and date ( XXXX ADT, XX/XX/XXXX ) no person has contacted me, by any form of communication, regarding the debt I mentioned above. I feel it is unfair and should be unlawful that any person or organization should have the ability to file negative or incorrect information against anyone 's credit report without first providing them the information and/or opportunity to review/dispute/settle under normal circumstances regardless of whether they owe the debt or not.

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 2018-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
On XX/XX/XXXX, I paid off the stated balances on their website for my three credit cards with Capital One. The due date for payment was XX/XX/XXXX. On XX/XX/XXXX, I was charged additional interest on all three accounts. Specifically, I paid {$2800.00} on XX/XX/XXXX and was charged {$37.00} on XX/XX/XXXX. I paid {$3400.00} on XX/XX/XXXX and was charged {$57.00} on XX/XX/XXXX. I paid {$1300.00} on XX/XX/XXXX and was charged {$21.00} on XX/XX/XXXX. I called on XX/XX/XXXX to customer service to ask why I was charged interest on a balance already paid and got some lame explanation which basically amounted to " that's the way they do things here ''. I asked to speak to a manager who basically said it was my fault for not calling them for a pay off so they could calculate the remaining interest. I asked her if that instruction was on the website and she said " no ''. I asked her if there was instruction on the statement and she said : " probably on the back '' then I informed her I could not know that because I do not get paper statements. I asked her if she thought it was fair to charge interest on something you already paid off and she said " it's our policy '' and when I asked her why the website does not reflect to the XXXX what is owed [ including interest ] in the " current balance '' box she said " that is something we are trying to correct ''. Please help! I have paid so much money to be debt free and now they do this!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XXXX XXXX 2017 I arrived at Onemain Financial Branch located in XXXX California. I proceeded to apply for a loan and was informed I was approved for XXXX by associate XXXX and her District Manager XXXX. I was unable to stay later to complete application due to having to go to work and was informed I could go to another branch closer to me to complete application if needed. I went to XXXX XXXX California branch on XX/XX/XXXX and was informed I could not be approved. They did not ask for my most current paystub or any documentation and added inaccurate information to my application so it then showed I was not approved because my debt to income ratio was not accurate. I was extremely confused and upset because I had expected I would be getting funded. Although the original underwriter, the district manager approved my loan initially I was informed it could not be funded due to the information received by the XXXX XXXX location which was not accurate. They added payments to my application that were n't actually payments. If you approve someone initially as a company I believe you should honor that. I do n't understand the inconsistent underwriting and I think that needs to be dealt with company wide. As a previous customer who made her first payment on time and paid off loan I am also extremely disappointed in their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Deliberate fraud performed by Citibank on a simple checking account. 

Direct deposits, Checks and even cash deposits were delayed precisely 4-5 days before scheduled auto-pay bills such as water/electric/credit card bills The deposits displayed in said available balance were actually on hold. In investing this, I made a counter deposit in cash with a check on the same day as a direct deposit from work was scheduled.

The scam is ... Allowing 2 attempts from any pre-authorized auto pay to fail which incurs {$70.00} in penalties, the third attempt is accepted authough funds have not been release, incurring {$84.00} in penalties The pre authorized payment along with all fees are placed into a strikingly high interest rate overdraft account. 

The result is your checking account appears balanced and the overdraft account doesnt just rake money in. 

Its hidden from paper statements, if enrolled in online statements the account doesnt exist and online it was not displayed as a dept The worst part is how payment delays coincide with autopayments. Which is the only reason I deposited cash, checks along with an instant direct deposit 6 days before my XXXX bill would hit. 

It took two months, cancellation of my overdraft account. Directly instructing the bank to deny any charge that would cause an overdraft so I could manually manage payments.

Credit score went from XXXX to XXXX over 2 months and this was just a personal account. 

That would not be fair to other people as this must be a large scale scam. Arguably 12-20,000 was stolen in a few months. Which I actually paid. 

Most people would be 100 % trapped in debt and nearly cost me one of my businesses. 

A refund, along with withdrawaling/correcting information to credit organizations is required

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 2018-09-17
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:
Sent the company several letters to update my personal information, as well as to dispute fraudulent accounts. The company did block some of the accounts i requested but not all, and allowed a creditor to run my info without consent. I sent in certified mail, notarized, with a FTC affidavit.

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 2018-09-17
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
A Perkins loan through XXXX College went into collections. 

I have been paying my student loans and was unaware the Perkins loan was handled by a different agency. The school and the collectors, claim they contacted me with the last known address, in XXXX, New York. However, that address has not been my address since XX/XX/XXXX ; per my drivers licences. At that time I was still attending XXXX College and they had my updated address. This is evident by the request for donations they sent me after my graduation in XX/XX/XXXX and the address to which they delivered my diploma. In XX/XX/XXXX-XX/XX/XXXX I updated my address to my current address and continued to receive alumni information and request for donations from XXXX College. 

A couple of weeks ago, I received a call from a debt collector about the Perkins loan. The collector informed me the loan had gone in default within the last 24 hours and they were calling to confirm my phone, address, and the loan. All of that information they had. 

I believe XXXX College, and the companies acting on their behalf, failed to make a responsible effect to contact me regarding my loan.

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 2017-06-16
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was 3 months behi nd on my Wells Fargo h ome mortgage because me tenant was late on rent. My tenant became current on the  XXXX . Normally i pay  online thru Wells Fargo 's website from my Wells Fargo checking account but my access was denied with Wells Fargo stating they were trying to help me avoid foreclosure. i called Wells Fargo  mortgage on  XXXX   XXXX  to ma ke 4 payments and asked the late fees to be paid next month. I was at the pool with my kids and the Wells Fargo rep asked for my routing number and acct number which i did not know. I asked for online access I could make my mortgage current and was told to call back when I have my checking info. I gathered this information and called Wells Fargo three times t oday. The first time at  XXXX   XXXX  I provided my info but was disconnected when i was transferred to the mortgage dept. I called back at  XXXX , gave my info and was connected to the mortgage dept but the rep had computer issues and could n't access the payment portal so she asked to transfer me. Again i asked for online access so I would n't waste more of my time but when i was denied i asked not to be disconnected when I was being transferred. Sure enough i was disconnected. I called back at  XXXX  and provided my info. The customer service rep tried to walk me through an online payme nt which failed so she transferred me to the mortgage dept. I am going through a prolonged divorce so being fed up Wells Fargo I decided to pay other bills and only pay 2 monthly payments to Wells Fargo. Wells Fargo said  they would not accept a payment for half the amount owed and would only accept payment in full. How is this trying to help me avoid foreclosure? I only owe $  XXXX  on my mortgage. My hous e (   XXXX   XXXX   XXXX   XXXX ,  XXXX , WA  XXXX  ) is in a high demand area and will sell i n one da y for $  XXXX . This is unfair practices which seem deliberate to aggravate the consumer to make poor decisions. I am available to speak at any time. Thank you,  XXXX   XXXX   (  XXXX  )   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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:
This is the several time I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Here are the aforementioned items : XXXXXXXX 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 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 2018-11-04
Company: Commonwealth Financial Systems, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CommonWealth Financial is falsely reporting on my credit reports in the amount of {$270.00} account # XXXX and its stopping me from obtaining credit. 

* Were you named on the original contract with the original creditor? 
* If not, do you have a contract between your company and me, signed by both parties? 
* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving your information to a 3rd party without your knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition?

* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me?

Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.

The Maxim of Law - Silence Equates to Acquiescence ( Agreement ) states that if you don't address even one item as requested, you agree that my statement of fact is true. It is part of my full disclosure to you that I require a response and lack of receiving what is requested or demanded from you proves I owe you nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Nelnet, Inc.
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is in connection with a closed complaint XXXX filed on XX/XX/XXXX regarding XXXX. 

The initial complaint was regarding XXXX selling my private student loan to XXXX XXXX but continuing to report to the credit bureaus for nonpayment. XXXX has since responded with a letter they said they sent me indicating XXXX XXXX will begin servicing my loan beginning XX/XX/XXXX ; however, I've called XXXX XXXX several times and they do not have any information about me or my account. They have no history, nothing current, nothing closed, or nothing pending. My name isn't in the system, my account number, my loan balance, no information at all. However, XXXX has also indicated XXXX reported to the credit bureaus on they're behalf ; but XXXX does not have any account information of me to report. So who is reporting to the credit bureaus if it's not XXXX as the financial service XXXX sold my account to? I have not been able to pay my student loan or make arrangements due to this issue. XXXX doesn't have my account and XXXX didn't have the account. But someone continued to report nonpayment! 

According to XXXX " After the transfer, XXXX began reporting on your student loan on XXXX 's behalf. '' According to XXXX, they don't have my account information and are unable to report any information to the credit bureaus. They have never had my account information. 
XXXX has reported nonpayment to the credit bureaus on a consistent monthly basis ; but has indicated it was not them reporting ; but XXXX. 
XXXX has once again affected my credit score by reporting a closed account and non payment during the month of XX/XX/XXXX as a result of his complaint. 

I also never received a notice from XXXX that they would be servicing my loan as indicated in the letter from XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: SYNCHRONY FINANCIAL
State: GA
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:
I have noticed an unauthorized hard inquiry on my report from Syncb National Credit Cards/Airlines and I have contacted the number several times, each time they direct me to either XXXX XXXX or XXXX. This did not show up on XXXX.

I am running in circles trying to figure out how to get this removed. When I called Syncb they claimed that they don't have any information on me, and that they don't own the account and it's an known error with XXXX XXXX so I have no idea why this is on my report. When I call XXXX they tell me to contact the creditor.

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 2018-09-16
Company: SYNCHRONY FINANCIAL
State: AZ
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:
There are several hard inquiries on my report that I did not authorize and customer service will not remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX    XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: EQUIFAX, INC.
State: IL
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:
I looked at my Equifax credit Report Online on XX/XX/2018 and I don't see any information on my credit Report. My Equifax Credit report is wiped out as if I'm deceased or something. Nor do I see a credit report. On XX/XX/2018 I faxed all my identification and Social Security card to Equifax Credit Report. I'm not sure why my credit report information has disappeared from online viewing. I also can not see my current credit score as well. Because I pay for this online service to view my credit report and Credit Score. I'm also currently dealing with identity theft, Hackers, Spam callers, spoofing, Mail theft, and vanish email and phone calls. This is due to mortgage Fraud as well with XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation