BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am a natural person, consumer writing this complaint and not a credit repair company. 
Thank you for taking the time to review my complaint. 
It has come to my attention that if any individual or company uses your no public personal information to create an account, thats identity theft. 
I am writing today related to an account listed on my consumer report. While reviewing my report I noticed an entry made by XXXX XXXX XXXX for the amount of {$2300.00}. I disputed the item attached on Monday XX/XX/2022. Following the dispute XXXX XXXX XXXX deceptively attempted to settle this alleged account for {$1200.00}. I did not respond. 
I have never initiated any transaction with anyone employed by XXXX XXXX XXXX nor gave this company permissible purpose for any account to be furnished on my consumer report pursuant to 15 USC 1681b ( a ) ( 2 ).

The reporting of these account is/are violations of 15 USC 1681a and also constitutes identity theft. 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Send me every document pertaining to this entry used to validate this debt, including, a summary of rights, verifiable proof of contract, Complete account history, including any additional charges added, names, addresses, and phone numbers of everyone contacted during your reinvestigation. The FCRA says that these companies has to tell me this in 15 days if I ask. Also, what is the date of the commencement of delinquency? Dont provide the generic 7 years response. I am aware of that. Tell me specifically when this account allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So which is it?

I refuse to pay this debt, pursuant to 15 USC 1692c ( c ). I wish to terminate all further debt collection efforts related to this entry with XXXX XXXX XXXX, Transunion, XXXX, XXXX, through all mediums except by mail. I also wish that this alleged account be sent back to the creditor immediately. 



In the absence of information mentioned above, I demand this entry be deleted immediately from all consumer reporting agencies. 
This damaging entry has only added to my emotional distress and anxiety and decreased my credit score. I appreciate your prompt response to my concern.

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 2020-08-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new Wells Fargo checking account online using this link ( https : XXXX ) on XX/XX/2020. I entered my XXXX zip code and was told that my account was eligible for the {$400.00} bonus. The terms were to have {$4000.00} in Direct Deposits within 90 days of account opening. I completed the requirements onXX/XX/2020then waited 90 days for my promo to be applied to my account. I reached out onXX/XX/2020to inquire when I would receive my bonus money. The banker advised me a promo code was never applied to my account and that I wont receive it. The banker filled out a form for me about not receiving my bonus but it has been over a week so I called again asking about the status onXX/XX/2020. They transferred me to multiple departments and my call was dropped without ever getting a real answer from a banker on what is happening with my bonus. One customer rep said they're being " backlogged '' and that they cant advise on what is happening with my account.

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 2022-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Person call spouse phone first then my cell. Said I was being suited for unpaid account on a XXXX XXXX XXXX. But suit goes back to XXXX. I have currently XXXX and my spouse Id financed thru XXXX. I call capital one which they said was the suit for and said BOTH MY ACCOUNTS ARE INGOOD STANDING AND PHONE CALL DID NOT COME FROM THEM. The numbers that were given to me were : Phone. XXXX on acct # XXXX court case file # XXXX. This is XXXX and Hope you can stop this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
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:
Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following inquiries as it appears on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX I wish to see the original sources of the information reported including, but not limited to, the original Credit Inquiry Authorizations with my signature . If you cant provide me with this information, please remove the attached list of Inquiries immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: CITIBANK, N.A.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CitiMortgage informed me on XXXX/XXXX/XXXX that my mortgage with them effective XXXX/XXXX/XXXX will be transferred to XXXX XXXX XXXX XXXX ( known as XXXX. ) I already had a payment setup with Citi to pay my mortgage which had a due date of XXXX/XXXX/XXXX. CitiMortgage cancelled my payment to them on XXXX/XXXX/XXXX, they claim its because on XXXX/XXXX/XXXX they will no longer own the account. This meant that today XXXX/XXXX/XXXX I have a payment due to the new issuer XXXX. Today I received an email from them welcoming me and pointing me to their website. When I went to their website ( either via the link provided or through searching for it on the internet ) the website seems to either be non-existent or severely broken. Below is 100 % of the text on their website at XXXX : 502 - Web server received an invalid response while acting as a gateway or proxy server. There is a problem with the page you are looking for, and it can not be displayed. When the Web server ( while acting as a gateway or proxy ) contacted the upstream content server, it received an invalid response from the content server. I 've never been late on my mortgage and in fact pay double payments. I can not get anyone on the phone or connected through their website to make a payment. Furthermore I believe its highly inappropriate that CitiMortgage cancelled my payment which was due today on XXXX/XXXX/XXXX which has put me in this frantic mess.

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 2017-11-01
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
In its last response Experian refused to adhere to FCRA requirements by failing to comply with my request for removal of 7 unauthorized inquiries. Again, I am requesting removal of all unauthorized inquiries from my credit report. 

Attached is a copy of the credit report evidencing 7 unauthorized inquiries of which I am demanding removal. The unauthorized inquiries are : 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 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 2021-05-11
Company: LEXISNEXIS
State: NY
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:
Hello, i have sent letters to lexisnexis, asking them to remove a bankruptsy, that they have on file, by which they never obtained a wet signature or permissed to report on their files. I have asked them 3 times and remove, and they still not not acted on my request. I sent the letters XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All 3 times they have not removed the inaccurate bankruptsy from their file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXXI refinanced my home while in the process of transferring from XXXX XXXX XXXX  to the new mortgage company. I received a late payment on my account that hasn't been removed. I've spoken with multiple XXXX XXXX members to help with removing this negative item on my account but I have yet to receive any help or feedback to get this problem 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 2017-10-05
Company: Experian Information Solutions Inc.
State: FL
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 sent 2 letters to Experian asking for the following accounts to be removed from my credit report. These companies : XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ( which I believe was removed and then placed back on my report ) have not validated that the debt is indeed mine. I have not received any correspondence from them with my signature or identifying me as the person whom created the debt. With all of these data breaches I must be extra careful. Also, I asked for the public records to be removed from my credit report. The courts have said they do not report to the credit bureaus and I was under the impression credit reporting companies as of XXXX 2017 are no longer able to report info from a 3rd party vendor and there had to be certain stipulations. Like having my name, social, DOB, and address. I would greatly appreciate any help you could provide in resolving this issue. Thank you.

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 2017-11-01
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
For the past 35 years I have had a checking account and fee-based credit card at JP Morgan Chase. About three years ago I was solicited by one of their financial advisors, in the XXXX, Ct. branch to open a Chase Private Client investment account, which I did. No management fees were involved. 
One day in XXXX he informed me that he may be losing my account and that " it was out of his control. '' When I received a call from my new Financial Advisor ( FA ) in a town 40 miles away I called my FA. He NEVER returned my calls to give an explanation for the transfer, which was without my consent. When I finally saw him all he would say is " I am not your F.A. and I do n't have to speak with anymore. '' About three weeks later In about XXXX XXXX I received a notice from JP Morgan informing me to close my checking account within 30 days. Days later I received another notice telling me to close my brokerage account within 60 days. Neither letter gave a reason. 
I have written to the office of the XXXX, XXXX XXXX and to other parts of the bank asking that my checking account be reopened ( BUT NOT my brokerage account ). I have also tried to reopen the account at another branch to no avail. The Compliance Department in Texas appears to be blocking any resolution and nobody will give an explanation. As an aside my former FA has either been fired or abruptly resigned in XXXX XXXX. After being a client for 35 years with an impeccable credit rating ( I still have my credit card there ) this is grossly unfair. I have come to believe that I am the brunt of an emotional problem the FA had who must have concocted a wild exaggerated story for the bank to have done this. All I request is that my checking account be reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
There is a prior CFPD complaint ... unresolved concern ... .I have a credit card XXXX that was reported on all three Credit Bureaus XXXX , XXXX & Transunion . Having a revolving charge card, that is paid appropriately is an additive to booster the my credit score. Transunion Credit Bureau deleted XXXX ..all XXXX data relating to me for my Transunion Credit report XXXX There was small discrepancy, I disputed on XXXX history, this resulted all of the XXXX card business to be deleted. The other two Credit Bureaus deleted the small bit of disputed data. Transunion action results in a lower score and higher interest rates, costing us thousands of dollars. We are livid.

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 2021-05-11
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: Account information incorrect

Complaint:
I have contacted Equifax and merchant credit guide about reporting wrong information to my account. I have never done business with this collection agency nor had an account with them. they keep reporting this inaccurate to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Consumer Portfolio Services, Inc.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Hi, so I currently have an auto loan through Consumer Portfolio Services , Inc. And my concern and complaint it that they claim they are this ... " Consumer Portfolio Services , Inc. ( XXXX ) is a specialty finance company that provides indirect automobile financing to vehicle purchasers with past credit problems, low incomes or limited credit histories ''. But all of my billing statements they mail me, boldly state they are a debt collector and are collecting a debt. And also when calling me, me calling them, or them leaving messages ... they again, state they are a debt collector. My auto loan is not a collection, nor a debt that they are hired to collect on, so it really makes upset that I am being treated as such. I really do n't feel like this is legal and it does n't make for good practice of their company. Another thing, any time that I have ever been late on my payment ( which I 've never been more than a month behind ), they will call me over and over and over, and they will also call every single one of my 10 family members I listed as reference when I purchased my car, and was asked by the salesman for these names and numbers, and they are truly harassing me and my family by doing this. I 've asked them on several ocassions to STOP and they have continued to do it. And one last thing ... I 've made over {$7000.00} in payments to them since I got a loan through them in 2015 and only around {$320.00} has been made towards the principal of my auto loan. That is OUTRAGES!! My auto loan is the same amount due as what it was in 2015. I know this company has been sued in the past and they have a lot of complaints on them. I really wish I would 've known more about this company before buying my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: Santander Consumer USA Holdings Inc.
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
On XX/XX/XXXX I went to XXXX looking to purchase a vehicle. I decided on a XXXX XXXX XXXX that had nearly over 100,000 miles on it. I was told by the salesman that I after making 6 months of on time payments I would be able to refinance my auto loan for a better interest rate. After 6 months of on time payments I was denied the ability to refinance my car loan because the vehicle had over 100,000 miles on it. I believe I was sold the car just to make a sale and I've been stuck with paying {$20000.00} in interest a vehicle that is 10 years old. I reached out to Santander who my auto loan is financed through on several occasions. Initially, when I attempted to refinance my auto loan I was told by Santander that they do not refinance auto loans which left me devastated because this is not what I was told by the XXXX salesman. Current Loan Details APR 28.68 % Monthly payment {$420.00} Total interest {$19000.00} Total principal ( the car ) {$4100.00} Total loan {$15000.00} Total term 81 months Loan holder Santander Consumer Usa

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX purchased my mortgage loan from XXXX XXXX XXXX, an affiliate, in XXXX while the mortgage was in an approved Covid 19 forbearance. During this transition, I was charged two late fees by XXXX XXXX XXXX whom was informed by XXXX XXXX Credit that the charges were inaccurate and therefore should be voided as they were incorrectly added during forbearance. XXXX XXXX failed to do so and then reported my loan as in serious default ( XXXX XXXX ) which in turn has impacted my credit. Federal Law requires If you were current on your mortgage when the CARES Act forbearance was granted, your mortgage servicer is required to report your account as current during the forbearance period to the Credit Reporting Agencies. However this hasn't been the case. I also recall having to address this with XXXX XXXX XXXX  ( prior 6 months ) prior to this case at which point they removed it, but have since put it back on my report which has caused potential damages to an ongoing credit application. I have obtained FCRA Counsel and per their request was advised to file complaints with the XXXX  and CFPB in addition to any further action that may be taken against said mortgage servicer.

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 2022-03-10
Company: EQUIFAX, INC.
State: NV
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 XXXX XXXX XXXX Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2019 Account type Mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Navient Solutions, LLC.
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: Investigation took more than 30 days

Complaint:
I have being paying a 3rd party company that is associated with Navient. They have a total of 5 payments from me. I have talked to the main company Navient ( XXXX ) and they do n't recognize or see 2 of the payments that I have sent ( XXXX XXXX, XXXX in the amount of {$120.00} and XXXX XXXX, XXXX in the amount of {$180.00} ). On my credit score it still shows that I have missed/late payments from Navient. I have talked with the 3rd party company repeatedly and they continue to hang up on me. I do n't understand how these payments are not positively reflected on my credit score. Navient is the ONLY company that is damaging my credit score by inaccurate information. I have sent in 2 letters containing both dispute letters and my credit report that they have asked of me and still my credit score is not fixed by the problems they have caused. On my credit score it shows that XXXX through XXXX I have late or missed payments. This is inaccurate. They received 2 payments in XXXX, one XXXX XXXX, one XXXX XXXX, one XXXX XXXX. They have a total of 46 late/missed accounts on my credit report. I only have 5 accounts with them. I have tried to talk to Navient and the 3rd party company associated with Navient and I am having a hard time to rectify this problem.

Company response to consumer: Closed with explanation