BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: Experian Information Solutions 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 am submitting this CFPB complaint to follow up the previous complaint I submitted on XX/XX/2022 requesting for the removal of the fraud items completely from my Credit Report. I, once again, sent a letter to the Credit Bureaus requesting that they remove the disputed fraudulent items from my Credit report. Because of the multiple letters I have been sending to the Credit Bureaus as well as their previous actions, I came to a conclusion that the Credit reporting Agencies will once again, neglect my requests. With all the letters I have been sending, the Credit Bureaus has never been able to respond even once. Under the FCRA section 605b, the Credit reporting Agencies are required to remove any account and information that resulted due to identity theft. I am now submitting this CFPB complaint to order the Credit Bureaus to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$780.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$23000.00}

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 2022-02-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Re : Account # : XXXX is not my account. Information belongs to someone else ( identity theft, fraud, error ). I am a victim of fraud or identity theft and this account was fraudulently opened in my name. Social security number obtained and used without my consent or permission to obtain goods and services. Please see additional information for address and identity verification. Reporting on the account should be stopped immediately and removed from credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 been disputing several items on my credit report that are incorrect and that are being illegally and inaccurately reported. These fools are making it hard for me to get credit and to be able to be approved for anything. I told them that I was gone reach out to yall because I havent heard anything back from them yet. They are not responding to my letters.I want everything to be adjusted as I have requested in my letters to them immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16
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:
There are two accounts that are reporting on my credit file that do not belong to me. I don't even know who's accounts they are. There is one with XXXX XXXX Card services and a XXXX XXXX. They are showing me as an authorized user but I don't know who these belong to. There is also a credit inquire that is reporting on XXXX  with a place called XXXX and I never applied for anything with that company. Someone opened an account in my name and that was resolved however they never removed the actual inquire.

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 2017-01-06
Company: DISCOVER BANK
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Dear Madam or Sir : My original student loan with Discover was for {$24000.00} - I have been paying since XX/XX/XXXX - paid a total of {$12.00}, XXXX. Principal paid is {$2100.00} and {$10000.00} in INTEREST! 

I have been in deferment for almost XXXX months because I am getting a XXXX XXXX XXXX and I now see that my deferred interest is {$3200.00}. 

My total loan balance in XX/XX/XXXX is {$28000.00}. 

MORE than the original amount after paying for XXXX years. This is what is called XXXX XXXX. I have tried to refinance and to no avail. If there is anything that you can do to help me, I would greatly appreciate it. Please let me know if I need to send in more details. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
This my second time reaching out to your company about the bankruptcy report on my account. I was requesting to validate the report but its been over a month now I havent received the validation but the record is still on my report. I hope you will look at this matter because it is affecting my ability to open credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Resurgent Capital Services L.P.
State: NY
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:
Accounts 

Creditor name: XXXX XXXX XXXX  Amount: $29,518
Date Opened: SEP 11, 2016

Creditor name: XXXX XXXX XXXX
Amount: $5,583
Date Opened: SEP 21, 2020

Creditor name: LVNV FUNDING LLC
Amount: $323
Date Opened: AUG 20, 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On my experience on XX/XX/22 was the worst experience I had when I went to this Dealership. I went in looking to purchase a vehicle I can use to get to and from work as a household necessity. I worked with a sales rep by the name of XXXX  at XXXX car sales in XXXX, AZ. I gave the company my SSN and they ran my credit and I was told to purchase a vehicle Santander is requiring I need to put down {$3000.00}. The company denied me a car loan unless I put money down. 15 USC 1662, Prohibits Downpayments on a car loan. Santander should already know this as the sales rep told me they are under truth in lending regulation Z, The transaction is a credit transaction and not cash so my finance charge should have covered my vehicle purchase under 15 usc 1605, finance charge sum of all charges. Santander USA was in violation of the Equal credit opportunity Act for denying me credit on a auto loan and requiring a down payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My account was opened on or about XX/XX/XXXX under a promotion for {$400.00}. All promotional terms were met and the opening promotion was due XX/XX/XXXX. It is past due and the customer service rep could not advise when it would post.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received notice from MIDLAND CREDIT MANAGEMENT. about an alleged debt reporting on my consumer report that I was requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210 ; therefor I demand VALIDATION and VERIFICATION of this alleged debt. I certified mailed this letter to MIDLAND CREDIT MANAGEMENT on XX/XX/2022 which I have proof that I sent it and they received it. But never sent me the Documentation I requested. 

again on XXXX XXXX I sent MIDLAND CREDIT MANAGEMENT another letter requesting all of the documentation for VALIDATION and VERIFICATION of this alleged debt they said I own them and once again they never sent it to me. now please keep in mind they I have gave them a substantial amount of time to get me all the documentation but they still haven't gave me what I asked for Now this is my third attempt reaching out to MIDLAND CREDIT MANAGEMENT. on XX/XX/2022 for the documentation that i requested months ago asking for VALIDATION and VERIFICATION and once again they haven't sent me the proper documentation that I have been asking for. 

Account Name : MIDLAND CRED Account Number : XXXX IN ACCORDANCE WITH THE FDCPA 15 USC 1692- I THE CONSUMER HAVE THE RIGTH TO PRIVACY ALSO IN ACCORDANCE WITH THE FCRA 15 USC SECTION 604A SECTION2 - IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX  Account XXXX XXXX, XXXX Account 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.

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 2022-02-23
Company: EQUIFAX, INC.
State: CA
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 XXXX  Account XXXX XXXX, XXXX Account 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Century Finance, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have had a loan with this companies for over a year. I had a death in the family and I ran into some hard times. This company has been harassing me by coming to my home to leave a note, reaching out to family members who in turn contact me out of concern. I am scared to go home after work each day for fear someone is out there waiting for me. The company has been emailing me at work as well harassing me which I had to turn the block messages sign off so I won't get upset at work. It has been very stressful. They call at all hours.

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 2020-05-15
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following unauthorized accounts are not mines, they do not belong to me in any manner, and I'm demanding that they be removed and blocked from my credit file. The three major reporting agencies are the problem, each has experienced an breach but does not take any responsibility for their lack of security and the mishaps of your credit file. You constantly telling these agencies that you did not open nor authorized these accounts but yet they seem to be working against you. I was incarcerated for 10 years even when this account was opened. So please remove and block the following accounts from my credit file immediately. 

1. XXXX XXXX 2. XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
EQUIFAX, XXXX and XXXX are in violating of the law for reporting fraudulent and misleading information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am questioning account number  XXXX  with LVNV Funding due to the fact that I have sent several dispute letters to the credit reporting agencies and it comes back verified every single time. They are claiming that I owe {$400.00} to  XXXX   XXXX  on my credit report.   XXXX  I have contacted LVNV Funding to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Im just trying to get my money. Ive made many attempts to contact this company with no avail. I need instructions on what I need to do. The introductions on the site says if you still have funds left to attach another debit card & cash out the funds, the funds were previously cashed out but the funds never reached my account. That card was cancelled & I have since replaced that card. I just need to know what I have to do to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account XXXX XXXX, 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 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 2020-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My husband and I purchased our honeymoon trip through Capital One 's travel site because they recommend that over directly through the airline. We purchased our flight with our points ( XXXX miles ) but were unable to purchase anything else through their site. No baggage, seat selection or travel insurance. 
We are now experiencing a situation where we can not travel. We have a soon to be XXXX month old   who we are unable to leave with anyone due to a personal situation and we can no longer take our scheduled honeymoon trip as planned. 
I have called 3 times - 2 of which I was hung up on after 30 and 70 minutes of call time. The third time I was transferred multiple times only resulting in them letting me know that while I have travel benefits ( mind you, a travel card ) they do not have trip cancellation. They are aware I purchased directly through them and they do not offer the option of purchasing travel insurance. They have completely washed their hands on the matter and it is up to me to take the loss. I find this unacceptable considering I purchased directly through them at their recommendation and they did not give me the option to purchase trip protection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-09
Company: Thaxton Investment Corporation
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Covington credit in XXXX, TN Coming to my residence at least once a week for past due payment for the past couple months. Called my parents house ( not a co signer or A reference ) 3 days in a row, multiple times a day. Proceeded to tell my parents I am 3 months behind on a loan payment. Her name is XXXX the manager of the office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-28
Company: JPMORGAN CHASE & CO.
State: FL
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:
The Chase Bank creditors are using predatory calling practices ; when I tried to call to discuss debt solutions to high minimum payments due to COVID and absence of current income, they increased my minimum payment instead, and have repeat calls which are 24/7 and are harassing me. This is distressing especially for my health in this difficult situation.

Also, they have no reasonable debt accommodation options for a World Pandemic, nor to assist people who are highly affected by it like myself. They are unwilling to assist with staff or calling/software systems which are not predatory to the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-28
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a conventional loan on XX/XX/2020. From there began a process of repeat asks for documents. Delayed asks for clarification and additional documents. From the intake, through processing to underwriting. The bank was provided the ratified contract which the date of the financial finalization as well as the closing date of XX/XX/XXXX. I was not told until XX/XX/XXXX, that we would not be able to close because of something raised in an inspection report that they didnt question until having the document for over a week. Also, I was told on XX/XX/XXXX if I didnt have a contract on my current home that I would need XXXX more to close as a secondary home. 

The process was extremely delayed due underwriting not reviewing documents in timely manner. They asked for information which was over 20 years old and not relevant. My credit score over XXXX, I have stable employment and a current mortgage with them. The delays nearly cost me the house. The seller relisted the house and received an offer.

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 2017-02-07
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In response to a public offer, I opened a CitiBank checking account XX/XX/XXXX. As of XX/XX/XXXX, I met the requirements for a {$400.00} bonus, which was to post to my account by XX/XX/XXXX. To date, no bonus.

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