BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-24
Company: WELLS FARGO & COMPANY
State: GA
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 contact ed Wells Fargo  Card Services, Credit Bureau  Disputes Division , via phone #  XXXX  and fax #  XXXX  to report that an account I voluntarily closed in  XXXX  had been deleted from my files with the CRAs. I am attaching copies of my letters and other documents provided t o WF. Sinc e the loan was not in a derogatory status when we paid it off, I expected the record to continue reporting until  XXXX . On contacting the CRAs, I was told th at Wells Fargo instr ucted them to delete the record. I conclude that WF mistakenly instructed the CRAs to delete the credit item after I asked the bank to remove only an invalid remark on my credit reports stating this loan was in dispute.   Prior to the improper deletion, this account positively impacted my credit scores because of its age and positive payment history, and its deletion helped to lower my credit scores. My wife and I opened the join t LOC i n  XXXX   XXXX  ; it was always paid on time, and the account was in a positive status when we voluntarily closed the account around  XXXX   XXXX .   For ov er 6 week s in  XXXX  and  XXXX  I worked tirelessly wi th Wells    Fargo to attempt to get the item back on my credit reports. I made multiple phone calls and also wrote to the bank providing an old   credit report that showed a truncated loan number.  XXXX   XXXX   XXXX , a  Wells Fargo employee at the banks credit card executive office calle d me around  XXXX   XXXX  to state that I must provide a " complete loan number as their records for this account were no longer available .... and without a complete loan number she could not assist me any further .... '' For reference, the rep provided a case number,  XXXX , for my use in making future inquiries on this matter.   I can not locate the old statements for this loan and I am puzzled and frustrated as to how the history of my loan with the bank can be unavailable after just a year of the account being closed. Furthermore, the historical record for this loan is still reporting accurately on my spouse 's credit report.   It is my opinion that WF does not appreciate the importance of this matter to me and is not doing as much as it can. Please assist me in getting a prompt resolution to this matter. I am working diligently to rebuild my credit history and removal of this long-standing and positive credit record has had significant negative impact. If I should contact the FTC instead, please let me know. Thank you kindly!

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 2016-05-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian fails to remove the XXXX account. Experian reports incorrectly the current Date of Status. Experian reports incorrectly the date of first delinquency for removal. Experian reports incorrectly that this account is scheduled to continue on my report until XXXX 2016 even though I received a XXXX Cancellation of Debt from XXXX. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 2022-09-05
Company: Bread Financial Holdings, Inc.
State: GA
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:
In XXXX of this year, ( 2022 ) I checked my credit, and the balance was XXXX. I was concerned because I had paid the balance off. However, I was paying each balance a few times a month so I would not have a large balance. In XXXX ( 2022 ), the account XXXX showed the same balance of {$270.00}. I tried to log into my online account, however, it was having technical difficulties. I tried on other computers and the same result of not being able to log in occurred. I started to be concerned because of having this problem before when I called the company on the telephone to make a payment a while ago. I checked the XXXX for the company and discovered that some individuals had be charged interest on a {$0.00} balance. I was hoping this would not happen to me. I did not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In late 2014, I was involuntarily transported to the hospital against my will by 2 police officers. I was not under arrest, and I was not committing a crime. I did not threaten to harm or injure myself. When I was dropped off at the hospital, I did not receive any medical attention, or even check in at the front desk. I walked home after being dropped off. I never received a bill for this " ride '' to the hospital, and had no knowledge of the debt until it showed up on my credit report. This is a fraud charge for a service that I did not ask for or need, but was forced onto me by officers who took advantage of their authority. I was not charged with a crime, as I was not, and did not commit one. I was a victim of police misconduct, and now I am the victim of the health system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Back in XXXX of 2020, I received credit adjustments on my checking account because I had fraudulent activity on my account which occurred out of state in Oklahoma. I reside in XXXX. I informed the bank I had not traveled to Oklahoma or made any such charges. They issued the credits on my account. I told them to also review the security footage because some of this fraud occurred in a casino there where there were security camera 's they could probably get access to. They obviously did none of that in terms of their investigation. Instead, they charged my account today almost {$2000.00} and caused it to go negative for that amount. I am a senior citizen on a fixed budget. I was almost in tears. I was on the phone with Bank of America trying to get through to them for almost three hours today. The representative told me to put this information in writing again to their claims department and request a resubmission, which I did. But in the interim, they refuse to take those negative charges off my checking account so I am unable to pay bills with it or buy groceries, etc. This is ludicrous. I am going to attach the copy of the letter I faxed to them earlier today for your review. It is outrageous. They originally told me they could review security footage on these transactions. I have not traveled out of state. They can not treat a senior citizen like this. I thought I had protection again fraud.

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 2016-08-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I upgraded my son 's XXXX in XXXX 2016 at the XXXX and set up the Personal Loan through Citizens One. My credit card expired after the first installment and when I tried to register for an online account to manage the account and set up a new card, the screen would go blank after completing all of the information. After XXXX attempts, I contacted customer service who recommended that I use XXXX XXXX or XXXX instead of XXXX ( this is an XXXX loan through XXXX ) Then I attempted to pay through the automated phone system and was told that they did not accept Debit cards. I called a 2nd time and was told to clear my browser history. Doing that would have cleared out the XXXX other windows I was intentionally keeping open because I was actively using them. A third phone call to request the information to set up automatic online bill pay through my bank was as unsuccessful as they " do n't do that '' nor do they take paper payments. They offered to take my bank account and routing numbers for them to keep on file. I declined as I had already spent 90 minutes on this problem and did not have my checkbook with me. I expressed my complete dissatisfaction with their Customer Service and explained that this had taken up an hour of my day. Never has it been more difficult to pay a bill than it is with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Radius Global Solutions LLC
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collections agency letter for a medical debt in a name of someone in TX that has the same last name as me. I do not know this person and I live in Iowa. This is either identity theft to some extent or skip tracing that went wrong. Ive never heard or this company called XXXX XXXX XXXX XXXX XXXX. The amount that is owed by this individual is {$1900.00}. I received this letter today, XX/XX/2022. Please help as I have a perfect credit score and this is unbelievable that a company can falsely charge the wrong person.

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 2019-12-01
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted the XXXX XXXX credit card company on XX/XX/19 to obtain a replacement credit card and to have my husband added as an authorized user to the account we received the card from my husband in the mail within 7 business days, however a card was not mailed to me as requested. On XX/XX/19, I called back and informed them that I still havent received a replacement card. I was told that they will have another card mailed out to me. I asked that they mail the card to my in-laws address where i will be for the holidays. They said it was not an problem. On XX/XX/19. I received a secure Letter from comenity bank stating that they were unable to mail me a card as the address provided couldnt be verified with the credit bureaus. I then noticed that they submitted a inquiry on my XXXX and XXXX reports. When I called they informed that they didnt know why an inquiry was done in order To just have a replacement card mailed, and that in order to have the inquire removed that I needed to dispute it with through the bureaus. Im submitting an official complaint as an inquiry was submitted without my authorization and the Comenity bank has not addressed their negligence of the inquiry placed on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Original Charge XX/XX/XXXX XXXX tickets {$740.00} Tickets were supposed to be XXXX championship Tickets we were purchasing. But when after hitting Pay key we double-checked the verification screen and realized we had paid for a venue of XX/XX/XXXX 23 days passed! We pulled up the shopping cart and tried to cancel. It would not cancel. 

I called the merchant XXXX but could not get through to them. I then called Capital one bank and tried to block the purchase. The Capital one representative told me it was not on the computer yet so he couldn't block it. I asked him to flag it to be blocked. He said he could not do that either. The next day I traveled to the bank personally and asked the customer rep to cancel the charge. He said he could not because it wasn't on the computer yet. 

Confirmation came 2 weeks later for the proper game at the proper venue but I had already blocked the charge and canceled the transaction, and asked for an investigation TWICE. Second investigation XX/XX/XXXX after the second so-called investigation I asked to see the paperwork they used to investigate. The ( CAPITAL ONE BANK } sent the paperwork to me showing that they investigated an EXAMPLE not the actual computer page time-stamped, I had paid. This FRUAD was accepted by Capital one bank as prove. It was not the form I paid.XXXX They sent them 14 papers, page one second from bottom line an EXAMPLE of someone's paid receipt NOT MINE! They XXXX probably destroyed the original. I spoke to XXXX face to face at the Capital Branch Branch bank in XXXX, LA also XXXX the manager. Both did what they could and filed again. I was told after calling to check, The investigators had not and would not speak to me. They did their investigation and I had no other recourse and that it did not matter what the Branch people said. ( XXXX XXXX would not give his last name. 

I then emailed the Bank CEO Mr. XXXX XXXX and explained to him how I thought his people had been snowballed by 14 pages of ( EXAMPLE ) and not an actual copy of what I had paid for. And making {$1400.00} per month had caused hardship by his bank Their improper investigation and procedure for stopping payment. NATURALLY, I did not even get an acknowledgment of my email by MR. XXXX, I guess the little guy really does not matter. 
I want my {$740.00} and I feel it was stolen from me by the Ticket Company and the incompetence of the Capital One investigators. XXXX XXXX XXXX. 
Account Number XXXX. Claim Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I purchased A car XXXX XXXXXXXX XXXX XXXX  from XXXX XXXX, XXXX in. XX/XX/XXXX. I think I may have been part of XXXX XXXX. I traded in a XXXX XXXX XXXX ( XXXX ). The XXXX did have a balance and with the price of the XXXX XXXX my payments seem to be high at {$450.00} biweekly. This is my first car financing on my own and maybe there were some things i didn't understand regarding financing. I didn't realize I would spend {$900.00} a month for a car note. In further review of my paperwork i realized I have gap insurance, but no one discussed this with me ; Hence the gap document isn't signed by me. gap insurance is something i could've picked up off my car insurance. I'm assuming the extra $ XXXX is from gap. I was under the impression my entire car note was {$450.00} a month with {$250.00} biweekly payments. I'm now in jeopardy of losing this vehicle, as it's been very difficult to maintain life. I needed the vehicle to have reliable transportation due to a son on the XXXX  with therapy Appointments. weekly. He has a certain school he must maintain days enrolled and needed reliable transportation. if someone can review my sales contract to see if this was predatory lending or an issue of a misunderstanding. Thank you in advance for the prompt assistance. There are discrepancies with my trade in amount, upside down balance and GAP charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: EQUIFAX, INC.
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am currently an XXXX living in XXXX on a temporary basis. I have tried to get my free annual credit reports but can no longer get them on the website. I contacted the credit agencies and was told that they will not give me my credit reports unless I have an address in the U.S. Since I am XXXX, I do not have a current mailing address in the U.S. We are U.S. citizens, my husband works for a U.S. company, we are paid in the U.S. , pay taxes in the U.S. and have bank accounts in the U.S. We should be able to get a copy of our credit reports to make sure there has been no fraudulent activity. I would like some assistance in this matter, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Someone use my identity to sign up for school and also filled out for students loan on Mohela

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: CITIBANK, N.A.
State: HI
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I checked my recent Best Buy credit card statement and saw I was getting charged a debt protection charge on my bill which I do n't remember agreeing to pay. When I called bestbuy they could not even tell me what it was they forwarded me to another number to call. I called that number to find that it was meant to protect me if something unexpected happened. I do not remember agreeing to this debt protection plan, my brother who was a joint person on the account also does not account agreeing to that plan as he would have been able to catch my back if something were to happen and I could not afford payments. I later learned I have been charged this fee since XXXX/XXXX/2011 without knowing because I have paperless billing.

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 2017-05-23
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XX/XX/XXXX  , day before my   XXXX   birthday Myself & Son went to   XXXX   XXXX     XXXX  Pa, sales person   XXXX   XXXX   ... the way Girl explained things   XXXX    would pay off  XX/XX/XXXX    XXXX   XXXX   found out  XX/XX/XXXX   XXXX   XXXX   was not paid off ... I contacted   XXXX   XXXX   & spoke to the finance dept at  XXXX ..  XXXX   said there was nothing they could do..I asked  XXXX  if the contract could be renegotiated I was told NO! ... I came into the dealership with an advertisement stating They   XXXX   could save me {$200.00}. On car payment ... I end up owing a $  XXXX car payment plus a {$420.00} lease per month ... that was not what I bargain for, I 'm  XXXX  on a fixed budget, I take care of my   XXXX   XXXX   XXXX   XXXX   Niece ... WHY WOULD I TAKE ON   XXXX   CAR NOTES .... &    XXXX   XXXX   XXXX      did a BATE & SWITCH , My Son also heard   XXXX   state they would cut a check that same day to pay off  XX/XX/XXXX   XXXX   XXXX   ... .I left   XXXX   XXXX    XX/XX/XXXX  with the mindset that the XX/XX/XXXX  was PAID OFF.  XX/XX/XXXX I found out different and started calling everyone ... ..I 'm

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Medical Data Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
the account MEDICAL DATA SYSTEMS for XXXX is unknown to me, also the the account medical revenue systems is clear violation of XXXX HIPPA since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. In addition the new Omnibus Final Rule states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information. This letter serves as that instruction.

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 2022-09-05
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXXXXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via 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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX  XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX via 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 non-monetary relief
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: EQUIFAX, INC.
State: WA
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 have contacted Equifax 7 times in the last 8 months to clear up a collection on my record. The collection was cleared. Equifax has not responded to my letters, emails and they have their online dispute system locked. Equifax has other misleading information on my account and they have not responded to anything.

Company response to consumer: Closed with explanation