BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-31
Company: Experian Information Solutions Inc.
State: RI
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:
XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  This inquiry was performed under false pretenses as described in the clear langua ge of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is  greater. ''

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 2016-10-14
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I have been trying to get a loan payoff on my loan for almost a month now. I was told again that I would have it by today, Friday XXXX/XXXX/2016. I understand that I have not made payments however I am trying to settle the account on the sale of the home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Ability Recovery Services, LLC
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed this account from XXXX XXXX and its still reporting on my credit reports. This school loan isnt mine and I have never took out any loans from this school. I never received any contact ( phone, email, letters ) from this school saying i am a student and owe this debt. Please delete this collection account of my credit reports. This isnt my debt and i dont owe nothing to this school.

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 2021-08-23
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: Account information incorrect

Complaint:
Old debt that was due to identity theft still showing monthly Charge Offs even after account was closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Experian Information Solutions Inc.
State: PA
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:
filed section 609 or verification was not verified and not deleted!

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 2019-03-12
Company: WELLS FARGO & COMPANY
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am the co signer on my daughter 's student loan. My daughter suffers from XXXX, XXXX and other XXXX  health issues that arose during her XXXX year away at school. for these reason, she was forced to withdrawal from school. she has been XXXX on 3 separate occasions and is still in the process of recovery. 
She began her attendance at XXXX in the fall of XX/XX/XXXX. She withdrew from all of her classes in the fall of XX/XX/XXXX and subsequently did not return to school thereafter. 
She did contact Wells Fargo regarding the student loans to get the deferment with the hope that she just needed time to find the coping skills and help she would need to go back to college. Unfortunately, this was not the case. She then contacted Wells Fargo with the hopes to lower the payments or restructure the loans. We both provided them with all the necessary paperwork ( it should be noted that this took months to compile as financial issues are a huge trigger for my daughter 's XXXX ) After this time, Wells Fargo called my daughter to say that " you are in such bad financial condition that there is no payment you could afford, so therefore we can not help you and the same monthly payments will be due '' and by the way, all the late fees and such have added up during this time. 
we are simply looking for some help during this time of recovery for my daughter and I. As a cosigner, I know I am responsible as well, but I am a XXXX mom of XXXX and am still paying for all the XXXX care and hospital bills from her condition ( as well as XXXX surgeries I have undergone during this time, as well as a hospital stay bill for my son ) Please let me know if there is any help for us at this time. 
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 monetary relief
Consumer complaint received 2019-03-12
Company: ZIONS BANCORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XX/XX/2018 XXXX received a check from the XXXX XXXX XXXX with only my endorsement, the check was clearly made out to XXXX XXXX and XXXX XXXX XXXX they cashed the check with only one endorsement I will submit a copy of canceled check and 2 letters from XXXX XXXX indicating that XXXX XXXX never received and endorsed the check. I contacted the bank in XX/XX/XXXX and was told they could not help me because I was not on the account the check number is XXXX and the amount is XXXX dollars for my roof repairs from XXXX XXXX XXXX XXXX XXXX I will be filling a complaint against them trough another agency. I feel a law was broken by cashing a check with a single endorsement when it clearly needed 2 the check has  an account number and a transaction number printed at the top of the pic.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
filed section 609 or verification was not verified and not deleted!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent requests to have the BANKRUPTCY removed from my credit reports, as I have contacted the Bankruptcy Court and received a letter from them stating that they do not report to the credit bureaus. The response information I receive back from the all 3 credit bureaus is that is has been " VERIFIED '' and they obtain public information from the local, state and federal courts, which is untrue since I have a letter from the the Bankruptcy court stating that they do n't report to the credit bureau, so I 'm asking for help in this matter to have this removed from my credit reports from all 3 credit bureaus ( EQUIFAX, XXXX & XXXX ).

Thank you in advance for you help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Santander Consumer USA Holdings Inc.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
FINAL CONSENT JUDGMENT-This proved negligence and liability on behalf of Santander Consumer USA to those consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX. It proved allegations that the bank violated consumer protection laws by putting subprime borrowers into loans that carried a high probability of default. In addition to paying {$550.00} million, the bank has also agreed to factor the borrowers ability to repay loans into their underwriting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 am, XXXX XXXX consumer and natural living person submitting this complaint and there is no third party involved. XXXX XXXX committed fraud on my consumer report, and I did not consent, benefit nor authorize these hard inquiries on my report. I demand XXXX XXXX to remove 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 2017-05-31
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have my car financed thro ugh Ally Financial.  Since  XXXX  of  XXXX  I have made a few payments late, but have always paid the " late fee '' in addition to a little extra. My car payment is due on the  XXXX  of every month, and this month, on the  XXXX , I logged into my account to make a payment and saw {$62.00} worth of " additional charges ''. I immediately got on the phone and spoke to a customer servi ce rep. My questio n was, how is it that these " additional charges '' continue to increase every month? His response was that I make my payment late, and I should be happy with it because the total amount due was actually less than what my agreement reflects. I asked to speak to a supervisor who then informed me that late charges are n't applied until 15 days past the due date - mind you I was 5 days late at this point. We argued back and forth for a bout 30  minutes because what she was telling me made no sense whatsoever. She insisted that these additional charges were not late fees and I should be happy because the payment was still less than my loan agreement. I made the payment, including the additional charge " late fee '' of {$62.00} and included extra money. Today I log in to my account to make a payment, my due date is  XXXX / XXXX / XXXX , and yet again I see I am being charged additional fees " late fee '' unreasonably. I do not know what to do with these people. I believe they are ripping me off for additional money every month and I already struggle with making what I owe. Please help 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 2022-02-24
Company: EQUIFAX, INC.
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:
I sent letters to the Equifax 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 has been heard from them. That means Equifax has NOT complied with the Fair Credit 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 XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX, IN XXXX Balance {$3500.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$2400.00} XX/XX/XXXX 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX was added to my credit file on behave of an unsetteled debt from an old unpaid utility bill from XXXX. On XX/XX/XXXX, XXXX XXXX XXXX was paid in-full with a total payment of XXXX. The collection agency reported the payment and the account paid in full the by XX/XX/XXXX. On XXXX, Equifax reported the same account as not paid with a current balance do of XXXX. The same amount I paid a few weeks earlier. I disputed the update on XXXX, and XX/XX/XXXX and as a conclusion of there investigation has continued to report this false amount. I then contacted XXXX XXXX  XXXX and they have indicated that I do not have a balance due with them and that I have paid that balance in-full on XX/XX/XXXX and that they have submitted the change to the credit agencies on XX/XX/XXXX which is in-line with the facts since Equifax did remove the account from my report on XX/XX/XXXX. I don't know why Equifax is reporting this balance, I have even sent them proof of the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Transunion has failed to properly verify the account in dispute and have sent a stall letter. My dispute letter wasnt sent from a third party I attached my licensed and proof of address. They are prolonging my 30 days investigation by sending them letter instead of properly validating or removing the accounts on my file.

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 2020-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/19, I issued instructions and executed the forms necessary to facilitate a custodial transfer of XXXX XXXX Account monies ( {$5000.00} ) FROM : XXXX XXXX, XXXX XXXX XXXX, WI XXXX TO : a newly established account at a new banking institution of choice. ( XXXX ) XXXX has been very helpful in assisting me with the paperwork needed for this transfer and they have even joined with me in three way phone calls to XXXX XXXX trying to complete this process. 

As of today, ( XX/XX/19 ) my monies still have NOT been released to my new banking institution. 

I suspect deliberate delays, lies, and deceptive practices have become common business practice at this Webster Bank. 

I want my XXXX monies transferred now. 

Your attention is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: Franklin Credit Management Corporation
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
In XXXX 2015, I signed papers for a Deed-In-Lieu to convey title of my property located at XXXX XXXX XXXX, XXXX, NC XXXX, to XXXX. The Junior Lien Holder is Franklin Credit Management XXXX. A check was sent to Franklin Credit as settlemnt of the Junior Lien. The check was cashed but the Lien has never been released by Franklin Credit, so that a clear title can be done. Franklin Credit continues to refuse to release the Junior Lien and so the saga continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: CARD Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
First there was a cash back when I purchase that was supposed to be {$50.00} it came out to be {$500.00} prepaid card.com is not giving back the {$450.00} I did not ask for XXXX I asked for XXXX then my card was stolen from me from a person that was living here this person is now in jail they did not want to hear anything about police reports Etc and they denied my dispute claims totaling up to {$1000.00} I waited to 10-day grace. And on the tenth day they came back and they said they denied it and I had to call to find out which was yesterday XX/XX/2020 I had also called their headquarters XXXX XXXX XXXX XXXX XXXX without any resolve to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Chime Financial Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This was an issue involving 3 parties : A fraudlent app XXXX who is the platform where such app is offered Chime the financial institutution unable to protect its customers from this type of activity Merchant : XXXX XXXX Total disputed : {$95.00} Through XXXX I had multiple small recurring charges from an app called " XXXXXXXX XXXX XXXX I tried contacting the app developer, XXXX and finally Chime. 
I have reported the app after XXXX didnt solve my issue, and my last resort was the institution that allowed such charges to be place : Chime. 
However it didnt surprise me when my claim was denied, since they put extremely minimal effort investigating their customers claims. 
I had 3 major issues with Chime and none of them with a satisfactory outcome. 
This company must be held accountable for their customers transactions ( specially the unathorized ones ) I regret giving them any business as they are not worthy of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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: Account status incorrect

Complaint:
There are several negative remarks including my private nonpublic information on my report that I did not give express written consent to be furnished. These remarks are inequitable to my financial reputation and is negatively affecting my right to conduct commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
( 103 True identity theft ) REPORT NUMBER : XXXX  Report Number : XXXX TransUnion File Number : XXXX i am a victim of the XXXX data breach and ive filed my claims accordingly ive been attempting to clear my credit report of these fraudulent items as far back and ive been unsuccessful 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 2022-02-24
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/2022 I sent letters to Experian by certified mail correcting inaccurate information on my consumer report and also proof of verifiable information. I have also provided documents to the agency to prove the inaccurate reporting. Under the FCRA my privacy and rights have been violated. I demand the accounts in question to be deleted. Also XXXX XXXX XXXX and XXXXXXXX XXXX  were not disputed at all. I demand also to have said address XXXX XXXX XXXX XXXX XXXX, Ohio XXXX be deleted from my consumer report due to I have demanded and shown proof of my address. 

XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A States that I have a right to privacy 15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written permission 15 U.S.C. 1681 A ( a ) ( 2 ) VIOLATION OF PERMISSABLE USE

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