BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-20
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
At the time I purchased my XXXX, I was n't aware that I had identity theft committed on me. In XXXX XXXX my payoff was {$14000.00}, Interest of {$89.00} and monthly payments of {$350.00} for 72 months. When I was made aware and had investigations done which proved I was no liable for any of the delinquents on my credit, I contacted Santander when I was told by FTC and IRS, and other credit card companies to contact my car loan and explain to them that fraud was committed at the time they had ran my credit because the credit they ran was not the factual number but based on many delinquents which caused a 20.4 % interest rate on my loan. I was told by two " managers '' they would definitely re-run my credit and I would be retro 'd back. I called again, and got someone who told me whoever told me that, lied and they do n't offer those. I explained my fraud situation, sent them a police report, ftc affidavit, and still nothing. I called again around XXXX, explained that my interest now is up to {$270.00} and a 15 months later, I owe them {$14000.00} and how is that possible when my payments are {$350.00} after paying them to date {$5300.00}. My current ESTIMATED payoff amount as of XXXX XXXX is {$13000.00}. This means {$820.00} was applied to my principal of my original balance due and {$4400.00} was accrued for interest. The gentleman then told me nothing he can do and hung up. I recently received a 90 day delinquent on my car which I was never 90 days late. It made my finally cleaned credit from the initial fraud go down over 100pts. I put a dispute in to XXXX and just today received a Ceased and Desist letter from Santander stating they have put in my request to not be contacted ( I never put in a request to not contact me ) and that they have the right to come and repo my car. This got me nervous especially with the recent District Law Suits going on in Delaware and other states with fraud charges on interest as well as people 's car 's being repo 'd even when they were n't late with payments. I am so upset that It took me an entire year to clear up the fraud that the CFPB has helped me so much with those credit card complaints I had put in that I am seriously hoping you can help me in this situation. I am a victim again of false fee charges. I will never pay this car off considering after 15 months, I only paid {$820.00} and the rest in fees. Please help me! I have XXXX kids, I am going through a divorce, my soon ex committed fraud and I was cleared from it and now my credit is ruined again because of Santander and they are really doing shady activity especially with this Cease letter I got that I never stated to them not to contact me. Ironically too, I am locked out of my online Santander account and can not reset my password. This is absolute awful consumer service on what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: SYNCHRONY FINANCIAL
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: Personal information incorrect

Complaint:
I was denied credit by Synchrony Bank because it said I was deceased. I called the number XXXX listed on letter it was for a XXXX account. I called XXXX  and they said I was listed as deceased and asked me for SS number and what credit cards I had balances ext. they said SS office reported me as dead. So I called SS they said they do not have me down as deceased and I am still receiving SS XXXX check. I am worried I gave info to a scammer and also need to fix report that I am deceased. You

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 2019-12-31
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I was denied credit by XXXX XXXX  because it said I was deceased. I called the number XXXX listed on letter it was for a XXXX account. I called Equifax and they said I was listed as deceased and asked me for SS number and what credit cards I had balances ext. they said SS office reported me as dead. So I called SS they said they do not have me down as deceased and I am still receiving SS XXXX check. I am worried I gave info to a scammer and also need to fix report that I am deceased. You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, I attempted to unfreeze my credit with Equifax ( the only reporting agency used by my bank ). I contacted them by phone and online multiple times. Their " security '' system was unable to confirm my identity because it contained incorrect information, which I was unable to correct because they couldn't verify my identity ( catch 22! ). 

I mailed ( certified ) requested documentation, which they received in the morning of XX/XX/XXXX. They stated 5-7 business days to rectify problem. They still have not as ofXX/XX/XXXX. My bank will be unable to process my application beyond XX/XX/XXXX. 

Equifax have refused to help me, despite my multiple requests, and are holding my credit hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: EQUIFAX, INC.
State: TN
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 filed a bankruptcy in   XXXX   there are inquiries on my report I am not aware of. I was under wage earner from  XXXX - XXXX  when I was discharged. In  XX/XX/XXXX  an inquiry was done for   XXXX   XXXX  ,  XX/XX/XXXX   XXXX ,  XX/XX/XXXX    XXXX   XXXX  .  XXXX   XX/XX/XXXX ,   XXXX   XXXX    XX/XX/XXXX . I never heard of   XXXX   XXXX   XXXX   XXXX   until I learned I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am writing today in regards to my account with THD/CBNA account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

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 2015-12-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have an account with citifinancial XXXX also known as pilot recievables XXXX that is clearly not mine i have since gotten a verified police report and notarized identity theft victims affidavit that has been notarized that has been deleted from all other bureaus because of it being clearly a result of identity theft that is still reporting on your bureau this fraudulent account that has been idenitifed as fraudulent needs to be removed asap

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Our {$500000.00} Heloc loan with XXXX XXXX XXXX, which had an outstanding balance of {$490000.00}, was paid in full on XXXX/XXXX/16. However, all three CRA 's are still showing both of these amounts ( credit limit and balance ) as outstanding, even though they have received notification from the bank that this Heloc has be paid in full. When I called Experian today, I had to wait on the phone for over 25 minutes before someone answered, and then they told me it could take up to 30 days to correct my credit report. In the meantime, my FICO scores are being negatively impacted. 
I can not believe that it takes these agencies 30 plus days to reflect accurate information. This is well beyond what should be a reasonable time frame to update information.

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 2016-04-26
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
To Whom It May Concern : I am asking for a legal debt validation of the following collections account that has been previously deleted from my credit report. This is a clear violation of my rights under the Fair Credit Reporting Act. 

XXXX XXXX {$1500.00} # XXXX I am disputing this and you have 30 days to complete your investigation. If you can not verify it you must delete it. The FCRA requires you to notify me no later than 5 days after the date of reinsertion. The debt collection agency has not certified that the information is correct. Thank you for looking at this matter. If this is not resolved I will begin litigation and file suit. 

Sincerely, XXXX XXXX XX/XX/XXXX SSN : 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 2021-04-21
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute concerning my credit card reporting it showed I still owe amounts on both my XXXX  XXXX and my XXXX  XXXX XXXX, the reported back that the amounts owe on XXXX  XXXX for XXXX was still owed and accurate and the amount of XXXX on credit was was accurate, that they had investigated there is absolutely no way they investigated either of these it makes me wonder if there is fair credit because clearly this was not investigated so it in term leaves me with a lower credit rating and higher interest, credit reporting is systemic racism that needs to be delt with and fix we are not treated equal it's just something they say

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have tried several times, to have information pertaining to state Tax Liens removed as the credit bureaus are reporting the information incorrectly. On several occassions, the response from XXXX and Experian is that the accounts were verified and are correct. This is untrue as I have letters from the State XXXX stating that the debts are satisfied and has been for over XXXX year now. Understanding that the credit bureaus pays third party sources to scout public information, I feel and according to FCRA rules, it is the Bureaus responsibility to ensure that accurate information is furnished on my credit reports. The Bureaus have failed to meet this obligation, even after several requests to investigate and remove these public records. Someone has to hold these bureaus responsible. It 's extremely easy for any creditor to add information to a consumer 's report, but is the hardest of tasks to have the information removed or even properly updated, which is truly unfair to consumers like myself, whom are trying to start over and build my credit.

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 2022-07-26
Company: EQUIFAX, INC.
State: GA
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 the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX has not followed the law as stated above and below. In addition they reported missed payments in XXXX and XX/XX/XXXX when the account was CLOSED PAID IN FULL in XXXX of XXXX. 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. 1681c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions or crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Navy Fedral Credit Union has me in XXXX XXXX preventing me from opening an account elsewhere. I paid NFCU in full ( XXXX ) I should be removed from XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I recently found out my credit file was not only incorrect but was a duplicate going back over 7 years. It also has an incorrect amount and this still has not been corrected. It seems they do n't care. XXXX have it right but not Experian!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: NAVY FEDERAL CREDIT UNION
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: Credit inquiries on your report that you don't recognize

Complaint:
I have Received my credit report showing multiple inquiries from Navy Federal.I was not aware that my account will be hit multiple times. It is affecting my credit tremendously when applying for loans or credit cards. I in a process of purchasing a home and with the multiple inquiries is not good a look for my credit. The Credit Inquiries are inaccurate, misleading, or incomplete, & may have violated federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received multiple calls ( 5x+ ) for months on end, I finally requested proof of the alleged debt from XXXX XXXX XXXX and have in the past few months/weeks been actively sending proof that I was charged for service after the account/service had already been requested to terminate. 

On Friday, XX/XX/XXXX XXXX XXXX after a representative and I spoke with XXXX at XXXX XXXX XXXX he confirmed that the charges were for services through XX/XX/XXXX. I explained that I returned all required equipment and terminated service in XX/XX/XXXX. XXXX suggested that I dispute the charge and send confirmation, at which point I sent email confirmation to Credence showing all items were returned. 

On Monday, XX/XX/XXXX XXXX XXXX I received an email stating that they received a response back from the creditor that the charges remained valid. I replied to the email that it was not possible as I had alternate service. I was then asked to send further documentation which I did that showed I had XXXX XXXX streaming service as of XX/XX/XXXX which was paid.. 

As of today, Tuesday, XX/XX/XXXX XXXX XXXX, I received response that despite the documentation sent, the charges were due as my account was not current and I still needed to pay the balance. Beyond upset, I contacted the company and requested to speak with a manager. That manager, XXXX XXXX, escalated my call to a second manager, XXXX XXXX. I again tried to explain why the charges were invalid and also explained that I was quite annoyed by their repeated attempts and failing to understand why I did not owe this bill. Mr. XXXX ' only suggestion for making the bill and calls go away was to pay the bill as it was still owed. 

Logic is not an option here and they fail to connect the dots. Whether it is greed or a language barrier I do not know, but I do not need this stress for a bill that I clearly do not owe. Customers should not be at fault for a company 's inability to follow through and disconnect service. 

In addition to this complaint I have also filled one with the XXXX as this is beyond ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
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: Public record information inaccurate

Complaint:
In 2017 I contacted Experian, XXXX and XXXX and also provided proof from the courts that I didnt file a bankruptcy. XXXX and XXXX removed it. Experian is still reporting me as having a bankruptcy. I have written them several letters asking to remove this incorrect item

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 2020-08-04
Company: CNG HOLDINGS INC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was unaware of a debt owed to XXXX  from 7-8 years ago. The company was harassing and saying that they would show up at my home and work. Also, they lied saying they had me recorded accepting the debt as mine. I still don't know what it's for and paid them anyway to make them go away. Absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: EQUIFAX, INC.
State: LA
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:
This is my third attempt reaching out to this company in regards to inaccurate information reporting on my credit report. I have contacted this company through mail and by telephone. They have not removed the inaccurate accounts that are on my credit report. These are violations of the Fair Credit Reporting Act and the FDCPA. Also there were inquiries that were unauthorized that are listed on the reports that was sent to this company. This company has failed to comply to laws stated in section 611 of the Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
my account on their web site is not functioning, linkage is there but I could not open it so I could not see all transactions or detail. I asked them to fix it but they did not so request to get some paper bill but they did not so they are harassing me. 
I earned some interest and reward money but they did not send me any. 
There is no trust between us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: BARCLAYS BANK DELAWARE
State: IL
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:
There are unauthorized businesses on my 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 2022-07-26
Company: Experian Information Solutions 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
Received pre-qual for mortgage loan. Mortgage lender used XXXX & Experian for credit. The next day I received XXXX XXXX unsolicited phone calls from other lenders wanting to know what sort of loan i was looking for.

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