BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-25
Company: WELLS FARGO & COMPANY
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On  XXXX   XXXX   XXXX  I traded my  XXXX   XXXX   XXXX  for a  XXXX   XXXX   XXXX  pursuant to an accident on  XXXX   XXXX   XXXX . My wife did not like the old car after it was repaired and we opted for a newer different car. The  XXXX  dealer did not make the next timely payment nor payoff to the prior finance company (  WFDS  ). I received a late notice and submitted a {$600.00} loan payment by telephone on  XXXX   XXXX   XXXX . Subsequently I have tried to get my refund from WFDS who advises me they sent the payment on  XXXX   XXXX   XXXX  to my old address. On numerous occasions I notified WFDS by telephone that my new address is in  XXXX , VA and not  XXXX , VA. They are holding m e hostage to t heir procedures claiming that I have to sign and submit an affidavit that I did not receive the refund - in other words putting the burden on me for their inefficiencies. Plus to add insult to injury they did not send a postage paid return envelope. Based on the time value of money,  WFDS  is procrastinating refunding my overpayment plus an additional {$46.00} from the original payoff transaction. I contacted them in early  XXXX   XXXX  when we moved into the new house so they would have the correct address. I also contacted them in  XXXX ,  XXXX  and  XXXX . They claim not to have a record of the change of address until my follow-up complaint in  XXXX .   I have not seen their payment. I do n't have any idea where or if the payment was sent. I have no control over what they are doing with their procedures.   I would also propose that a fair penalty to them would  be 10 percent of the refund if they ever get it 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 2017-04-25
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:
Upon receiving a copy of my credit report, it appears as if I have a LOT of inquiries that DO NOT belong to me. I even have  XXXX  inquiry  (   XXXX   XXXX   )  showing twice for the same date (  XXXX  ). I mailed out a certified letter on  XXXX   XXXX ,   XXXX   in regards to  XXXX  hard inquires that was being reported on my credit report that were not factual. They received the letter on  XXXX   XXXX ,   XXXX  , the request was completed on  XXXX   XXXX ,   XXXX  . The letter stated that they can not remove inquiries and that I need to contact the creditor directly. I did another request through Equifax online dispute system on  XXXX   XXXX ,   XXXX   that included the same  XXXX  inquiries stating that they were not factual. I then received notice back that my request was completed on that same date  XXXX   XXXX ,   XXXX  . The response from Equifax this time was " Inquiries are a factual record of file and access. If you believe this was unauthorized, please contact the creditor. '' on all  XXXX  of the inquires I   submitted. According to the FCRA Rules FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The fact that my investigation was completed in 3 days of them receiving my certified letter during my 1st request and next during my 2nd request the investigation was completed on the same day as the date I disputed it. One can assume that there was no investigation into the matter in such short time frame. I plan to purchase a home this year and having so many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original disputes for hard inquiries that does not belong to me. I did not sign for anything. These are unfair practices by Equifax with no concern for the credit worthiness of a consumer.
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I am still showing an Account with Kohl 's which has previously been resolved. The account belonged to an ex spouse and I am not responsible. They are reporting incorrectly that I owe a balance with them. I do not owe Kohls and the balance reflected should be XXXX and removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am currently an  XXXX   XXXX  service member. I opened a  XXXX   XXXX   XXXX   XXXX  account with Barclaycard on  XXXX / XXXX / XXXX . I was informed by the representative before I opened the account that I did not qualify for the Servicemember Civil Relief Act  ( SCRA ) si nce I was opening the account after I started  XXXX   XXXX . However, the representative informed me although my account would not be covered by th e SCRA, m y account and all authorized users on my account would qualify for 0 % APR, and all fees would be waived including the annual fee as long as I was on  XXXX   XXXX . I then receive a letter from  XXXX   XXXX  dated  XXXX   XXXX ,  XXXX  stating well no longer waive the annual fee on your account. As a result, a charge of {$990.00} for you annual fee will appear on your billing statement for the next billing period your annual fee is scheduled to be assessed,  XXXX   XXXX ,  XXXX . Also, well charge an annual fee of {$290.00} for each authorized user on your account. This is a classic case of bait and switch. I called and messaged the company and they were unwilling to continue to honor the initial terms of the account. Also, for some reason the date the annual fee is scheduled to be assessed is different in the letter I received than the response I received on the message system.

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 2021-11-19
Company: EQUIFAX, INC.
State: PA
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, there are incorrect information found in my reports that needs to investigate. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the Inquiry that is reporting on my Credit Report : XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Experian Information Solutions Inc.
State: PA
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  appears on my credit-report ; Requesting the inquiry be deleted. Already removed from my  XXXX  credit-report.

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 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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  appears on my credit-report ; Requesting the inquiry be deleted. Already removed from my  XXXX  credit-report.

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 2022-04-27
Company: Experian Information Solutions Inc.
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 am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mine to be removed from my credit report IMMEDIATELY. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) states that I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

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 2022-03-30
Company: Credit Karma, LLC
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I called credit karma since the beginning of XXXX my card was stolen and used on someones XXXX XXXX One amount XXXX  dollars and then XXXX dollars I call twice a week and the say they cant help me because its a third party transaction but I do not have a XXXX XXXX and XXXX XXXX will not help me because I am not a customer but credit karma will not file a dispute or help me in any way

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Experian Information Solutions Inc.
State: TX
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 disputed some negative items on my credit report with Experian on  XXXX   XXXX ,    2017  and on  XXXX / XXXX / 17  I received a email stating all my dispute was resolved and not was removed or corrected. I believed they never took the time to properly dispute my item. it was more then several items disputes, theirs no way they could have investigate my case.

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 2021-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX & TransUnion is unwilling to accept of investigate this claims online or thru mail.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX BANK ( XXXX ), ORIGINAL CREDITOR ; XXXX BANK XXXX SOLD TO, XXXX XXXX XXXX ( XXXX ) has violated my rights. 15 U.S.C. 1681 section 602 A. states I have the rights to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my consent.

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 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have contacted  XXXX  and gotten NO remlief. They are reporting  XXXX  accounts, late payments and the info on the credit file is  XXXX . I have requested the original signed contract and complete payment history They provided and I will attach it. It does NOT have the entire payment history because  XXXX  sold the account to a third party ( whom I contacted and they said they DO NOT have the payment history at the time they had possession of the account ) I submitted the proof of  XXXX  having  XXXX  accounts and making them ILLEGALLY copbined sub and unsub loans to then report them as  XXXX  loans and showing late payments without PROOF of the entire history and that IS ILLEGAL according to the FCRA!! I contactd the CRA 's and even had a RECORDED phone call with  XXXX  and  XXXX .  XXXX  ADMITTED THEY DO NOT HAVE THE COMPLETE INFO AND ARE REPORTING PARTIAL INFO AS THAT IS ALL THEY HAVE They claim it is legal for them to break the  XXXX  loans into  XXXX  and report them however they wish!!! This is and has been a battle for nearly a YEAR.  XXXX  is NOT IN COMPLIANCE with ALL credit reportinglaws and IKNOW it and are NOT doing anything to correct it as the FCRA states clearly REMOVE the account there are factual data errors on the account! It is ILLEGAL to re-age the loan ( ONLY  XXXX  LOANS ) and make them  XXXX  to report or to change or report ANYTHING they can not PROVE IN FULL!!!!! I want this account and ALL accounts reported by  XXXX  REMOVED AT ONCE!!!!! IN THE VERY PROOF  XXXX  HAS THEY SHOW THE FIRST DATE OF DELINQUENCY IS O VEr 7 YEARS OLD!!! That is grounds for IMMEDIATE removal!!!!!

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 2017-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
A few accounts were removed from my Transunion report on  XXXX   XXXX     2017 and  reinserted.

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 2019-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Unfortunately, last year, I was in a financial dilemma due to job loss. As a result 3 ( to my knowledge ) of my payments to you were delayed. Because your account with me is extremely important I managed to borrow money in an attempt to bring my account current. 



I reached out to capital one at that time and explained to them my situation and basically PLEADED for them to defer the payments or move them to the end of my loan and was denied. Please note I have had my car for almost 4 years and I have NEVER qualified for that help. Thats very unfortunate and Im confused as to why Ive never qualified. 



Nevertheless, Ive persisted and have been attempting to catch up sincethus my payments are behind by SEVERAL months because the payments Ive made EACH month, since, covers those past months from 2018. 



Fast forward to today, I go online to make a payment and was informed I had to call capital one to pay and when I did I was informed that my car is in recovery status and that the only payment I can make is for {$510.00} and some change over a 3 month period to bring my account current. If I could pay more I honestly wouldnt be behind. 



All Im asking is to continue making my payments of {$220.00} maybe {$250.00} since I dont qualify for defermentand never have in 4 years. I cant afford a repossession. I have XXXX small kids and we need our car. I TRULY appreciate Capital Ones patience with me and I know Im behind by several months but if you look at my history Ive made a payment every month sinceIm trying to catch up. I truly am. Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Navient Solutions, LLC.
State: MA
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:
I took out a refinance loan from   XXXX   XXXX   XXXX   (   XXXX   ) to pay off   XXXX   of  XXXX  of my federal direct student loans serviced by Navient. The loan was funded on  XX/XX/XXXX /17, and Navient indicates the payment was processed on  XX/XX/XXXX /17. The payment from  XXXX  to Navient was made via wire transfer, with explicit instructions on which loans the payments were intended for. Navient applied the payment across all loans on XX/XX/XXXX /17. I called  XXXX  to confirm the payment was sent to Navient with those instructions on  XX/XX/XXXX /17, and they confirmed this. I called Navient to rectify this on  XX/XX/XXXX /17, and they claimed they would now apply the payment to the correct loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Name : XXXX, XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MA XXXX XXXX Employer : XXXXXXXX XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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