BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-27
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have recently started monitoring my credit reports and I have found an item in my negative collections portion, it is for a student loan/and or credit card that I never signed up for. It says date opened is XX/XX/2009 at that time I never used XXXX XXXX XXXX which is where it is from. It says the account was transferred and the balance is like {$1100.00}. This is upsetting and this was absolutely not opened by me and I never got to spend this money. Please 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 2016-09-29
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i have disputed inquires with credit bureau and creditors by certified mail and request that inquires be removed from my report because of fraudulent activity. I was employed by the usps which was compromised and also irs had a fraudulent income tax filing in XXXX 2015 these are not my inquires I did not assume credit or get a job with any of these companies.

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 2019-12-15
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: ResidentCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: AR
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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$1800.00} XXXX {$20000.00} XXXX {$11000.00} XXXX {$17000.00} XXXX {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$1800.00} XXXX {$20000.00} XXXX {$11000.00} XXXX {$17000.00} XXXX {$3900.00}

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 explanation
Consumer complaint received 2019-12-15
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was intentionally defrauded by deceptive business practices while on vacation in Hawaii under a high pressure, with time constraints, told lies, which i relied upon when signing a contract on XX/XX/XXXX, that was grossly misrepresented with family vacation promises by XXXX XXXX XXXX, who promptly took my money and had me sign an installment payment agreement on the spot. when i actually got to read the contact, it made no sense, it actually is not clear on what was purchased, it notes property, license agreement, membership plan, with confusing and conflicting information, that still does not make sense. i tried to discuss with someone to cancel and they gave me the run around, and by the third day i went in person and the refused my cancel. i returned home and tried to cancel on XX/XX/XXXX, and they said the account is no longer theirs, that it was assigned to Monterey Financial Services. Come to find MFS is part of the scam. They exist to take over collections on the defrauded accounts, and they are in another state, CA to further perpetrate the fraud. They withdrew 2 payments from my bank and i cancelled it with my bank. They have been calling me and sending me notices of collections since, and after they did not receive 2 payments, they have reported me to collections. I talked to them to let them know i dispute thne contract. The agreement said for disputes to file arbitration, of which i filed on XX/XX/XXXX with XXXX, against both MFS and XXXX. Neither responded and XXXX now closed the file. And in fact, XXXX notified them that their arbitration clause is in violation of the rules, and that it did not go through the approval process and requested them remove it " so that there is no confusion to the public regarding out decision '' i want my money back, i want the agreement rescinded, i want restitution, i want my credit restored, and i want these frauds to stop ripping people off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed a few items with Experian and they were removed off my credit but now the companies have some how added it back on my credit file. Due to there neglect, they should not be allowed to add these back as the company has not responded to them in time. I also had a dispute with the CFPB that was resutled in my favor and the file was not removed and there is documentation that they were removing the tradeline from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 
XXXX {$800.00} XXXX {$240.00} XXXX {$360.00} XXXX {$77.00}

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 explanation
Consumer complaint received 2015-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have contacted multiple financial institutions and most of the time I am told that principle payments do not reduce interest charges in the following month. I am told not to pay on principle since doing so will only shorten the loan duration but not the interest charges in the following month. 

This complaint is specific to Capital One. I was told by multiple licensed employees that principle payments do not reduce scheduled interest charges in the following month and discouraged extra payments. I eventual pushed the issue to the fourth level of management who stated correctly that principle payments do reduce the following month interest charges. They stated they would provide training to their employees. I stated I would call after XXXX month and ask the same question to see if the training was effective. 

Today, XXXX/XXXX/15 at XXXX XXXX, I called XXXX XXXX XXXX. I asked " If I pay an extra {$10.00} in month XXXX, will the interest charge in month XXXX drop by a few cents? '' He replied no. He said the interest charges would be the same as though no principle was paid and only the length of my loan would be reduced. He clearly failed my test and when I asked to speak to management I was told there was none available, then transferred to a voicemail. 

I have spoken to many people in the industry and it sickens me that so many actively discourage early pay off and additional principle payments. They lie to prevent early pay-off and this costs consumer XXXX of dollars. over the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Contact the credit agency to dispute inquiries that were made with my knowledge, after there investigation they conclude the information was correct. I contact the individual companies I never heard back from them regarding the matter. I have attached a pdf of the document the was sent to XXXX XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: Santander Consumer USA Holdings Inc.
State: AL
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:
As a result of two errors I missed three payments. After trying to fix these errors it seems their online system had a bug and did not retain saved autopay information. 

First : after making payments, I had thought I had set up my account on auto pay. I had not and thought I had made a mistake setting it up. But after setting it up again with the help of your online chat, it was set up and showed properly. Then, a few hours later, it has disappeared. I believe this is exactly what happened before. 

Second ; the address on file for me was incorrect and I was not receiving any notices of the account being past due. I do not know how the dealer got an old address for our account, but it must have come from me. It was not the address on my drivers license, but I dont know where else it could have come from if not from me. 

Once the credit report was filed and I saw the drop in our credit score I corrected the missed payments immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Went in to Bank Branch to make deposit of a check I received from my attorney for {$10000.00}. Asked teller what the hold period will be on this deposit and she ignored and went ahead and made the deposit. I requested to talk to the branch manager who told me that there would be a hold on this check but never mentioned the number of business days this hold will last. The check was deposited on XX/XX/2020 at XXXX. As of today XX/XX/2020 there is still a hold on my funds which are not available.

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 2020-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
My husband applied to Capital One for a refinance on his used car loan on XX/XX/20. The reference number for the application is XXXX. When they called to obtain income verification on XX/XX/20 he gave them authorization to speak to me, XXXX XXXX, his wife. When the asked about my husband 's income I told them he was retired and only receiving SS which would not be sufficient to qualify for the loan but that he could use my income and I would provide the supporting documents. The representative told me that unless I was on the application and note he would not be able to use my income to qualify for the loan. We live in a community property state giving my husband the power to manage or control our community property. My income is not separate income and therefore part of our community property, I explained that this is a violation of the spousal signature rule under Reg. B. The  representative escalated the call to a supervisor who supported the original representative 's statement that I would have to be on the application and loan. Although my husband 's car is currently in his name alone, I am prepared to execute the security instrument but I also don't think this is a requirement if the loan is in his name alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX XXXX XXXX Also, by Equifax Credit Reporting Agency and XXXX XXXX XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas ? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made Equifax aware of this they have not done an accurate investigation on XXXX XXXX XXXX XXXX XXXX. So, I checked the Secretary of State Texas Debt Collections Division website and found out that XXXX XXXX XXXX XXXX XXXX is breaking : " Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a P.O. Box '' I am in need of another Investigation to remove them from my credit report please.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: Seterus, Inc.
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I fell behind on making Seterus mortgage payment. I made arrangements to add additional money to my monthly payments. I noticed additional fees. I expected late charges but was billed for such things as inspections, title searches, etc. I called to find out my all my extra payments were going to a " suspense '' account and not the arrearage, and to determine the remaining arrearage. I have paid in excess of {$200.00} over the balance they stated as evidenced by online banking however my arrearage is not closed and no one at Seterus can provide me answers. I 've asked for a breakdown as to how they have applied the payments numerous times and still have not received anything. 

I would think the " suspense '' account would be illegal. I pay in extra money expecting it to go against the arrearage, It sits in this mysterious account earning Seterus interest and not being applied toward my account until it reaches the normal monthly payment. 

I want to review the extra fees and how my money was applied and all I get is ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: IL
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:
Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX BANK NA partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been  successful.

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 2020-06-12
Company: EQUIFAX, INC.
State: AR
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:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX/XXXX  XXXX {$450.00} XXXX/XXXX   XXXX {$3800.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
After receiving faulty merchandise from a retailer ( XXXX " T.V. ) that does not work, filed a dispute with Capital One, my credit card company after numerous attempts to negotiate with the retailer. I have had XXXX conversations with Capital one regarding the dispute process and no XXXX have been the same. Capital One on XXXX XXXX credited my account back for the faulty product ( case # XXXX ) but when the retailer answered the dispute Capital One sent me a letter saying the charge ( {$620.00} ) would be placed back on my account because the T.V. transaction was a " face to face transaction '' according to the Capital One rep and therefore there was nothing they could do. By a face to face I assume they mean the retailer did not deliver the item but I was never made aware of nor was I offered a delivery service. When I brought this to the attention of the retailer his response was " they did n't have to tell me about the service ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am unable to access my credit report because the information I have entered to receive my credit report does not match the information that the credit bureau has for my reported information. I know for sure that my information is correct because I have only ever had one address, and I have my social security card and driver 's license in front of me. I have no debt, assets, have never taken out a loan and have never gained credit, but I am getting calls from multiple debt collection agencies and I am worried I have been the victim of fraud or identity theft, but am unable to affirm or deny my fear because I can not access my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
On XXXX XXXX, 2015 I received a notice from EXQUIFAX stating the following : " As you requested, we successfully placed an initial fraud alert on your EQUIFAX credit line. " I HAVE NEVER requested EQUIFAX or any other bureau to place any such fraud alert on my report ( s ). By what right have they do even allege such a thing without my requesting it to be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: NV
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:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.

Company response to consumer: Closed with explanation