BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-11
Company: Santander Consumer USA Holdings Inc.
State: OR
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Formal complaint that is being filed for " Several matters '' in your county within voicemail. 

" XXXX - XXXX XXXX " ref : " XXXX '' is being left as call back. 

Paid debt for Santandair Auto Loan ( sp ) - have paperwork to prove. 

When I have answered the phone from this caller, stated to them it was paid and they said- Caller stated, " Bring it to court with you. '' and hung up. 

Continues to call for a debt that is not owed and is outside of the timelines to collect if it wasn't paid. 

Never has sent a letter. 

Never has offered a form of communication to show the debt has been paid. 

Phone number reports as : XXXX on caller id call back # is listed as : XXXX - XXXX XXXX ( Information Center ) not a debt collector? 

This company needs to be researched and fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
XXXX is reporting that I am delinquent in repaying a loan obligation, however they are unable to provide documentation to substantiate claim. A default claim was denied temporarily in XX/XX/2012 however the status has not been updated to 'permanent ' after three years as per required by law. This status is improperly reported to credit reporting agencies as being delinquent however they ignored a complaint I filed with them several years ago.

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 2022-08-26
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX Account # XXXX is still reported as open on my credit report. This account was closed when my insurance company XXXX paid off the loan balance in full after the vehicle was ruled out as a total loss on XX/XX/22.

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 2020-02-11
Company: Experian Information Solutions Inc.
State: CO
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:
this bill was supposed to be covered by XXXX XXXX, which i presented at the time of my visit. when i called the number for collections through care point she said they submitted to XXXX which i had. At that time it would've been through XXXX XXXX XXXX plan which i presented at the time of the visit. I've tried talking with care point because i don't think they went through my medical insurance but they gave me different numbers to the hospital. and was back and forth between the hospital and 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 2020-02-11
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I informed the Navy banking that I will have a direct deposit going into my Savings account to pay off the loans every two weeks and they are still harassing me. They are calling my job harassing my associates and I have inform them not to call my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: FL
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 Fair Credit Reporting Act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 Section 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 2022-01-16
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I notice transaction on my wells from cashapp from someones cash app account. I also changed my phone number so there transactions I didnt even commit from XXXX to 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 2017-09-12
Company: Navient Solutions, LLC.
State: FL
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 am currently in a status of repaying my loans and I noticed that my overall loan amount is increasing after each payment ( I have been monitoring the increase for the last 3-4 months ) I am currently under one of the payment plans which is supposed to provide me with a lower payment and over eliminate any future balances after 25 years. I contacted the Navient rep., who stated he would have someone from the Student Advocacy team give me a call and to date no one has called me. This call took place the end of XX/XX/XXXX. 

I asked the team lead or manager to explain to me that if my payments are not reducing my balance then what benefit am I receiving of being on the payment plan. For example, if my balance is XXXX and it keeps increasing with my payment arrangement then within 25 years I am wondering what this balance would be and the payment amount. It does n't make sense to me and he was not able to explain only to tell me the over balance of my loans which I already know is at an all time high of and is increasing each month. It also appears that my private loan interest rates have changed based on my profile. 

I would really like some assistance and explanation. I pay my loans on time and I am trying to minimize my balance not increase them. If this is not the correct plan to help me move toward the goal then I would think Navient would have a better solution that to keep in embedded in debt. It appears the representative are not well diverse in answering questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian web portal will not allow me to dispute information or review my credit reports. Further it will not allow me to remove a fraud alert or upload necessary documentation to remove the fraud alert.

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 2022-06-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have reached out to XXXX and Equifax about a Fraud account reporting to my credit report. XXXX XXXX  XXXX date opened XX/XX/2018 has reported a Fraud account for over a 3 YEARS! to Equifax and XXXX. I have sent both the Credit Bureau police report and the FTC report. 

The credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the address associated with XXXX bank account is inaccurate, and the date last reported is not accurate. This Ground for removal they also Violated my rights under 15 U.S.C 1681 section 602 A. states I have a Right to Privacy 15 U.S.C 1681 section 604 A Section 2. states A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
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 status incorrect

Complaint:
over several months, i have contacted the credit bureaus stating that i do not believe that i was late on any payments and asked them to provide me with proof. they have failed to do so and have only sent me generic responses from their E-Oscar system. no one is actually doing their job in what i'm asking them to do ( properly show me proof ). in addition, there are some other accounts that i have asked for to be investigated and have asked for proof of a binding agreement, and again, they have failed to do so.

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 2017-09-12
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX, XXXX I went to the Chase site to initiate a process to get a credit card and balance transfer from another credit card, as this was an interest free offer. At that time it asked for the amount of the transfer. I guessed and put XXXX. Since I did not know the actual amount, I decided to get the information before starting the process. I hung up and called into Chase. At that time, I told the representative the amount was {$2000.00}. I was approved and received the card at which time I called and verified the XXXX balance transfer. The next morning I woke up to a text on my phone saying there may be fraudulent charges, one for {$1600.00} and one for {$2100.00} ( 5 % balance transfer fee ) I explained I did not initiate the XXXX as that was before I got the card. I was advised neither could be cancelled and that I would have to wait for both to post and at that time call XXXX XXXXXXXX XXXX and request the credit be sent to me in order to pay on my new XXXX account. I explained I never initiated the XXXX, as that was included in the XXXX. I was charged the 5 % two times ; once in the XXXX and once on the XXXX. I requested a credit. I was told no. This is bad business practices. I was not given the information when I spoke to the representative that there was indeed a transfer request already pending. The supervisor told me it is in two separate systems so they could not have known. I think to be made whole, the {$100.00} transfer fee should be credited back to me or the {$80.00}. I should not have to pay twice for a mistake Chase made, not me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My score was drop to the lowest because of a problem on the Equifax. There are two reports saying two different things. On the page labeled changes it has dropped my credit score down over 500 points, but on the page labeled Factor it said the account is still there in good standings

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: HW Holding, 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:
In XX/XX/XXXX I applied for an apartment at XXXX at XXXX whose address is : XXXX XXXX XXXX XXXX XXXX in XXXX, Texas XXXX. I did not get approved due to my credit. I got residency at another address. On XX/XX/XXXX I went to a federal job interview and learned that XXXX apartments had charged me XXXX dollars since XXXX. This is a delinquent mark on my credit report and has been since XXXX. I called them on XXXX at XXXX XXXX about the bill that they claim I owe. I spoke with XXXX who works in the office there said she will locate my file and call me back. She also took down my phone I called back on XXXX XXXX at XXXX XXXX. I spoke with XXXX in the office who told me that they have not yet grabbed my file and when they do they will give me a call back. I did not receive a call back on XX/XX/XXXX. I called the collection agency handling my file. The company is Hunter Warfield Inc. whose address is : XXXX XXXX XXXX XXXX. XXXX, Florida XXXX. I called them at XXXX XXXX and spoke with XXXX XXXX who stated that the charge was a utility service fee. He suggested that I pay the debt and then they would alert all three credit companies for half the price of the debt.I refused. I then called XXXX XXXX on XX/XX/XXXX at XXXX XXXX and spoke with XXXX in the office. I told her who I was and she then stated that they pulled my file and submitted a request to the credit company and its in the process of being taken off. I then asked for a letter stating that I dont owe them and XXXX agreed to send me an email on a letter head. I still have not received this letter. I called Hunter Warfeild at XXXX. on XX/XX/XXXX and spoke with XXXX to make sure that the paperwork was received by them. XXXX said that they have not yet received any paperwork from XXXX. XXXX also said it was a file for identity theft. I told her there has been no Identity theft. I would like this false charge to be removed from my credit report and i would also like my credit restored in some way.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Today, XX/XX/2020, I received an alert from XXXX that American Express places a hard inquiry on my credit report at XXXX. 
I did not authorize nor request for a new credit card so I immediately contacted American Express via phone. 
I spoke to several representatives who stated that American Express did not pull a hard inquiry in my credit report. 
And to contact XXXX to dispute the inquiry. 
I contacted XXXX, and according to the dispute specialist..I can not dispute a hard inquiry. She stated that American Express will need to dispute it. 
I contacted American Express again, and American Express representatives claim that I will need to dispute it myself. 
I am been given the run around by American Express and XXXX. 
XXXX will not let me dispute the inaccurate hard inquiry placed on my file electronically or over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
The card account is reporting incorrectly on my XXXX  report as a closed collection account. The Neiman Marcus account was never in collections and should reflect a XXXX  balance. This account should reflect a closed account with a XXXX  balance and the historical account records should reflect that it was never a collection account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: OH
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:
At around XXXX XXXX on XXXX2017 I entered my information on the site equifaxsecurity2017.com to inquire if my information was possibly compromised from the Equifax Hack . I was informed that my information was likely compromised, and encouraged to sign up for their TrustedID credit freeze services. Since then, I 've learned these results are likely randomly generated, and that the TrustedID services is another revenue generating product from Equifax. Additionally, it appears that signing up for the services bars me from participating in any class action lawsuits against Equifax should my information be compromised. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo is refusing to delete my MIP insurance even though I have met the requirements according to HUD. My LTV is under 78 %. I have had my home for over 5 years. They are saying I was late in XXXX which I was n't, I was on FHA trial modification. I have spoken to several of their employees in the last three months and also received in writing that my MIP would be deleted effective XXXX/XXXX/XXXX payment, they have also confirmed this over the phone in which the manager yesterday confirmed both. I was also affected by Hurricane XXXX and I am now on a relief plan for the month of 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 2017-06-05
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past du e  XX/XX/XXXX , 60 days  XX/XX/XXXX , 90 days XX/XX/XXXX , 120 days  XX/XX/XXXX  I am not sure how th is happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This credit bureau and bank are giving me a hard time I found an inquiry from capital one on my XXXX credir report contacted capital one they sent me a letter confirming this as fraud I mail it to XXXX and they still refuse to remove it they give me a hard time its not fair when they originally told me to provide them proof from the creditor requesting it be removed as fraud application Ive done it and they still act like its valid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 have contacted XXXX and XXXX XXXX XXXX. They have informed me that they have reported the accounts as closed and the accounts should be deleted month ago. I have called the credit reporting agencies. The only thing that has occurred is extension of investigation, despite additional information not being received. They have also granted me letters stating that they have deleted the accounts, however the accounts are still showing up on reports as unpaid collections. 

Additionally, I have submitted online documents showing that XXXX XXXX is reporting innacurately reporting a lease break. I provided documents showing the Contemplated Lease signed as part of the application process. I provided Lease Disclosure on Page 52. that states that this Contemplated Lease is not approved until the Manager signs it. The manager has not approved or signed it. I withdrew my application prior to approval. The manager ignored my withdrawal and charged me with a lease break.

I provided 1 ) Contemplated Lease ( mandatory-part of application for apartment XX/XX/2018 2 ) Email- The email withdrawing application XX/XX/2018 3 ) Invalid Lease ( See time stamp on last page-Manager signed online XX/XX/2018

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