BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: SANTANDER HOLDINGS USA, INC.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is a debt with XXXX XXXX. I co-signed for a vehicle for my daughter in XXXX and XXXX is still contacting me regarding this debt. My daughter surrendered the vehicle around XX/XX/XXXX and they are still continuing to call my phone repeatedly. I spoke with them around XXXX and told them to contact my daughter. They are calling my phone at least 4 times a day. The debt is so old, it shows on neither my daughter 's or my credit report. 

Your assistance with this issue is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
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:
I reviewed my report and I dont recognize the following accounts. filed a dispute with Equifax and it has been over 30 days since their investigation I'm demand that these accounts are deleted from my report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: SC
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:
When I reviewed my credit report in XXXX XXXX, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPT OF ED/XXXX  XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$30000.00} DEPT OF ED/XXXX  XXXX Balance : - DEPT OF ED/XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : -

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Barclays Bank Delaware claims that I owe them {$2200.00}. After two letters sent by me, Barclays Bank failed to provide me with the document bearing my signature, showing that I have, or ever had some contractual obligation to pay them I believe tahat this is a violation of Fair Credit Reporting Act ( including, but not limited to Section 623-b )

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 2020-04-22
Company: Aldous & Associates, PLLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Aldous & Associates Contacted me today. I do not own any debt with them. How dare they! Is Debt collection essential during a pandemic?? people cant even pay their bills because a stimulus check is still absent & unemployment benefits are back logged, HOW DARE THEY try to call collecting debts during a NATIONAL CRISIS this should be STOPPED ASAP!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: Convergent Resources, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved from my hom e  XX/XX/XXXX  I  contacted  XXXX  to schedule to have power disconnected from the address. They set it up for XX/XX/XXXX  . T hey explained to me that my deposit would cover my last bill. So around  XX/XX/XXXX  I noti ced they put a charge off on my report under all  XXXX  bureaus in the amount of {$240.00}, it didnt show up as a collection account but under a regular account showing it was opene d XX/XX/XXXX  and closed XX/XX/XXXX . Th ey mafe No contact with me regarding this account before it charged off. Then a month later I received a letter from a collection agency regarding this account. I called them and they advised me to contact  XXXX  which I did and they are claiming they didnt put it on my report and that my deposit covered the amount., but its still showing. I 've disputed it several times through the bureaus but it always comes back as " verified '' and not " validated ''

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 2021-10-28
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was been paying a no interest debt every month and my statements do not accurately reflect the outstanding loan balance as Winn Law Group continually bills me monthly with a higher balance then I owe. 

I've tried to contact numerous times both by email and phone number and given the run around every time. The last time I spoke to XXXX of Winn Law Group was XX/XX/2021 and most recent email was XX/XX/2021. 

When I'm able to speak with XXXX or other assistants, I ask direct questions regarding contact the Winn Law Group directly and given an entry level contact email that in turn puts me through the same run around as she said : " The attorney is in trial, but I spoke with him and I don't have authorization to give you his email ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX XXXX and I have been trying for the past 3 months to get an update on my credit and credit dispute results however, i keep getting beat around the bush with no updates it has been more than 30 days and no results from my investigation. Please see the attached documentation for my complaint towards the XXXX credit bureaus if they can not meet my demands I want the identity theft information I disputed on my credit report gone

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 2022-03-31
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX XXXX and I have been trying for the past 3 months to get an update on my credit and credit dispute results however, i keep getting beat around the bush with no updates it has been more than 30 days and no results from my investigation. Please see the attached documentation for my complaint towards the XXXX credit bureaus if they can not meet my demands I want the identity theft information I disputed on my credit report gone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 acordance with the fair Credit Reporting Act XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX, has violated my rights 15 U.S.C 1681 section 602 A Staes I have the right to privacy.

15U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instrctions

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-03-31
Company: Experian Information Solutions Inc.
State: NV
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've filed a dispute about my credit report and the incorrect items below stated on my credit report. Its been over 30 days since I contacted Experian, XXXX, and XXXX, and have not received any investigation results back yet, so hence this complaint. 

Below are the accounts I have disputes with, please review and help me out with this. 
Thanks so much. 
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account status ( Closed ) {$2500.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX Account status ( Closed } {$3500.00} Date opened : XX/XX/XXXX XXXX XXXX Account numberXXXX  Closed {$690.00} Date opened : XX/XX/XXXX XXXX Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan {$17000.00} XXXX XXXX Account status : Open Date opened XX/XX/XXXX Account type Education Loan {$3900.00} XXXX Account number XXXX Account status : Open Date opened XX/XX/XXXX Account type Education Loan {$1700.00} XXXX Account number XXXX Account status : Open Date opened ; XX/XX/XXXX Account type Education Loan {$3000.00} XXXX XXXX Account : Open Date opened : XX/XX/XXXX Account type Education Loan {$870.00} XXXX XXXX Account status Open Date opened : XX/XX/XXXX Account type Education Loan {$3100.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account type Open account {$67.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
Company: Nelnet, Inc.
State: CA
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:
My student loans are currently in deferment yet nelnet is still reporting my payment status as late and it is severely affecting my score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Santander Consumer USA Holdings Inc.
State: IN
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:
I have no record of these inquiries on report nor did I give information for my record to check i tried calling these company and could not get through their automated system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
1. XXXX XXXX received a text from J.P. Morgan Chase Bank asking if she recognized activity to {$200.00} to XXXX XXXX XXXX, {$2500.00} to XXXX XXXX ( text received XXXX pm XXXX XX/XX/2022 ) 2. Wrote 'No ' in return, verified that it was a Chase phone number 3. Return text said a hold has been placed on your card, we'll be contacting you shortly. 
4. XXXX called number XXXX ( this is the Chase phone number on the back of her Chase debit card ), at XXXX pm XXXX XX/XX/2022. XXXX 's husband, XXXX XXXX, PhD listened in on the call. 
5. Since XXXX initiated the call to the Chase number, she believed she was talking to a Chase representative.The person gave his name as XXXX XXXX, ID XXXX XXXX. Person on other end asked if we knew a person named XXXX XXXX ( sp? ) in XXXX, Georgia. We were informed that this man had taken out {$5000.00} from XXXX 's account. XXXX was informed that she had to go to XXXX to reverse this transaction. 
7. " XXXX XXXX said he would walk us through the reversal process and said that because he was with Chase, he would never ask for a username or password, and never did. He asked if a different email than XXXX 's was hers ( XXXX ), she said XXXX. ' XXXX 's email is XXXX 8. We started on the laptop but he informed us this needed to be confirmed on the smartphone with the XXXX app. It didn't work initially. Then " XXXX '' instructed XXXX to put her middle name in the app ( XXXX XXXX XXXX ) 9. " XXXX '' instructed us to put a sequence of numbers and letters in the memo field : XXXX. Then he told us to put in a verification code : XXXX. He said we would receive an email confirming that the {$5000.00} was back in XXXX 's account. 
10. We received an email, but no {$5000.00} in the account. ( email to XXXX, account name XXXX XXXX XXXX, XXXX, said that XXXX XXXX XXXX, XXXX had sent {$5000.00} to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Why XXXX put this negative information on my account. My credit score is low now but I dont know anything about these accounts. I believe someone used my personal information and applied for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I purchased a temporar y card at Kroger  on  XXXX / XXXX / 17 , paying {$20.00} plus a {$3.00} fee in cash. I attempted to register the card and obtain a permanent card. Their w ebsite was unable to verify my information on two separate occassions even though I correctly answered four questions identity verification questions. Their automated phone system was not working. Their only alte rnative was to fax or mail my social security card and passport information. I am not willing to do that. I asked for my {$23.00} to be refunded. They only offered to refund the {$20.00}. I told them that was not acceptable, I expected my full purchase price to be refunded.

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 2017-06-14
Company: DISCOVER BANK
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I previously have a private student loan with  Discover   Financial Services i n the amount of {$49000.00}. I also have a private loan with  XXXX  which is about the same amount along with the federal loan in excess of {$30000.00}. I incurred these loans during my 5 years in college between the years   XX/XX/XXXX -   XX/XX/XXXX . Six m onths after graduation All lenders began to request monthly payments. The combined amount was over $ 1000 monthly . Discover requesting  {$480.00} a month. Unfortunately, this was a hardship. I spoke with  XXXX  along with my mother who cosigned the loan and I was able to come to be enrolled in a program that affords me lower payments. T hen I called Discover to  see if I could get the same kind of arrangement once I explained my hardship. I was told on numerous occasions that there was nothing that they could do to assist me. Disappointed I just sent all the lenders what I could afford. I just received a letter that my loan wit h Discover has b een sent to a collecttion agency  XXXX   XXXX . I called them to explain my plight and see if they could assist with lower payments. I was told that I would have to pay {$9800.00} as an initial deposit and then {$1100.00} a month for 36 months then they would lower the payments.   If I had that I would n't need there assistance. Its a no win with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Received multiple emails from my credit card and credit secure affiliates stating that XXXX did a report inquiry on XX/XX/XXXX, XXXXwhen it was not authorized by me. 
I call XXXX and they could not find anything on me using my social security number. I call Transunion who posted it and they had a recorded request by XXXX on XX/XX/2022. I was instructed to reported to the FTC.

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 2022-09-12
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX, I called Wells Fargo to initiate a Balance transfer to the card within my posted Credit Limit. I had tried to complete the transfer myself online but messaging indicated I had to call. It took me a couple of days to have time so call was made aprox XXXX on Sat XX/XX/XXXX. The person I spoke to was not very helpful, I indicated what I wanted to do he mentioned there was a fee which I had not considered and I was transferring over slightly less then my credit limit I wasn't sure the approx XXXX would cover the difference. I asked him what the fee would be and then he indicated that my transaction was declined. What? I wasn't even over to my limit. He couldn't answer my question and them offered to transfer me to an Underwriter. Still very confused I told him to do that. The underwriter then explains that she will need to pull a full credit report? I told her I was attempting to use my posted credit limit WHY would I need my credit pulled and that was when she informed my that the last rep had pull a soft pull and that was declined and she couldn't answer my questions w/o and tri-merge report. I told her no and hung up. 
If I want to transfer funds within my credit limit that should be allowed online along with the charge for the transfer by dollar range etc.. This felt to me like I was being scammed. I have a credit limit, I do not want any other credit lines with Wells Fargo and my question was never answered. Nor did I know or understand the first rep I spoke with was pulling my credit as a soft pull. I indicated I was within my credit limit. This is unacceptable to 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