BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-01
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I requested a 7 year fraud alert and 7 year security freeze from Equifax verbally and by certified ma il on  XX/XX/2016     due to identity theft. I was told what was needed, what to request, in the letter by an Equifax operator I was told a copy of the police report, copy of my drivers license, and a copy of a utility bill. After receiving conformation of the letter delivery, I called Equifax to confirm these requests were put in place.     This weekend, my credit report was fraudulently obtained by a car dealership. They accessed my report while I was test driving a vehicle prior to any offer/discussion of purchase. When I returned from  the test drive,  I told them not to try to access my credit report because it was locked. They said no it isnt and said they had already accessed it. I asked them why they accessed it as I would not be using credit and their business manager told me it was to make sure they could accept a check from me and show I wasnt a  XXXX .     I called all  XXXX  credit agencies today to confirm that the fraud alert and security freeze were in place.     When I called Equifax today, I was told there was no security freeze in place and copies of my credit report could still be obtained by anyone requesting it.  XXXX , who said she was top management, confirmed that my certified letter requesting fraud alert and security freeze with the documentation of police report, copy of my drivers license, and a copy of a utility bill were in my Equifax file. I asked her why the security freeze was not active. She said probably because I requested a 7 year security freeze and they dont have that. She said that she could not add a security freeze now because the police report, drivers license, and utility bill were all from    2016  and were too old to add the security freeze. She said I would have to resubmit updated identifying documents AND a social security card she specifically said, only a social security card will do in order to add the security freeze. She said she would not add the security freeze until I submitted this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Experian is not reachable via the phone as I have been trying to reach them now for 2 months. Experian is reporting a collection on my account that has previously been deleted. This is a very old debt from   XXXX   XXXX  . When I contacted   XXXX    over 6 months ago, they advised they were no longer collecting on debt and to disregard as they will no longer be collecting on this debt. I then contacted  XXXX  several times to see where balance and numerous fees came from but each time I was told will research and call me back, but did not.   XXXX   consequently was deleted from my file and appeared again to my surprise  XXXX  on Experian.

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 2022-07-24
Company: CITIZENS FINANCIAL GROUP, 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: Old information reappears or never goes away

Complaint:
citizens bank auto loan is still showing on my credit report, this account was settled and an old account. It is XXXX XXXX XXXX, it is hurting my credit score and I need it deleted so I can purchase a home for myself and XXXX children.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed a mortgage in XX/XX/XXXX and Shellpoint is the servicer, they set up an escrow account and have been collecting monthly for the taxes and insurance. As of XX/XX/XXXXthe escrow balance was {$9300.00}. My XX/XX/XXXX taxes were not paid and I am showing delinquent and there are penalties and interest accruing. When I brought this to there attention they told me to send a letter so they can open an investigation. Since then I have been sent 3 letters and they are claiming that they never set up an escrow account yet they have been collecting almost {$700.00} per month, All the customer service reps seem to be concerned about is trying to set up a meeting with a HUD counselor and don't have any authority to do anything. At this point I want them to return the funds in the escrow account and reimburse me for the penalties and interest. I will pay my own taxes and insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XX/XX/2017, I visited a gas station merchant, XXXX, whom I frequent to purchase gas. I always use my debit card w/PIN number to do so. On this occasion, the point of sale did not process, so I decided to try another pump and yet again, the point of sale did not process. I asked the attendant inside if there was a problem with the pump and that person indicated that he was n't aware of such. I then attempted to use another ( 3rd ) pump but again, no luck. I immediately contacted my bank via phone to determine the problem. The bank rep I spoke to advised that the gas merchant had placed FIVE holds on my account for each transaction, attempted or otherwise, in the amount of {$91.00} dollars. Yet, I explained that while that has not happened in the past and if even so in this case, I had the funds on hand well over the amount of {$91.00}, so why is the transaction not being process. I was then advised that since I made three attempts in addition to two other holds the merchant had on my account, totaling five, my account was now in a negative balance. I was completely frustrated and to no resolved could I get the bank rep to understand that this hardship should not have occurred since my account had the available funds. On XX/XX/2017, ( today ), I decided to investigate this issue further and found that by all accounts on-line, when a consumer uses a debit card with a PIN-number, a hold is not placed, or should not be placed on the consumer 's account since the transaction is immediate. Based on other reports, the instance where a hold is placed, the funds are made available within the hour since a PIN-number is used. Moreover, by all reports, the merchant is not responsible for holding up your funds, the merchant ONLY SETS the amount to be held. Thus, it is the bank that HOLDS the consumer 's funds. Thus, I immediately contacted my bank again to voice my concerns for their FAULT at withholding my funds and to vent my frustration as to why the bank did not allow my point of sale for the gas to process. I was met with resistance for resolve and even after speaking with a so-called supervisor, who YELLED at me, while no less agreeing with me that it was the bank 's fault, I am still left with frustration. I have also incurred an overdraft fee on my saving account in the amount of {$2.00}, along with the held-up funds of {$430.00} dollars, all of which I demanded be released and credited to my account expeditiously. I feel that I have a right to such, since the bank is clearly blaming the merchant and faulting me. Moreover, I had available funds to cover my costs and should not have even been subject to the pre-authorization hold since I ALWAYS use a PIN-number with my debit card. PLEASE intervene here and help me to resolve this issue forthwith.

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 2022-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
KOHLS has 3 accounts of my credit report. One that is active is fine and needs to stay. I need the 2 that are closed off my credit report. The old account is 9 years old and settled, it needs deleted. I am trying to purchase a home and this is hindering my ability to do this. There is another old kohls account that I am an authorized user of that is 20+ years old just on my XXXX  credit report, it is not mine, I do not know whos this is but it needs deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Pnc bank wants to charge me a fee or percentage when I make a check deposit in to my personal checking account. They wont make your deposit available right away unless you pay their ( legal mafia fee ) which is {$36.00} overdraft fee. I made a deposit yesterday in to my checking account and I cut a check to my landlord and deposit a check to his account. guess what they processed that check immediately but the other check that I deposited to my checking account wasn't processed right away. Is this fair?? This is not " BANKING ''!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX is still showing on my credit report, this account was settled and an old account. It is 7 years old, it is hurting my XXXXredit score and I need it deleted so I can purchase a home for myself and XXXX children.

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 2016-05-24
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
I have very high interest on my credit cards and when calling the companies they never will lower my interest rate, yet when I call XXXX XXXX XXXX they can get lower interest rates. Why are these not available to the Consumer through the credit card companies rather than having to go through a Debt relief. I am paying all of my bills on time however the interest rates are so high I ca n't get them paid down. Every time I call, the companies say there is n't anything available. Why ca n't they offer a lower interest rate to consumers rather than having to go through a debit relief company which I do n't want to do. These rates were all raised in 2009 before Obama said no rate increases in interest. I was involved in Hurricane XXXX at that time evacuated to another location for 6 months and was still receiving my mail XXXX.so I missed some of the offers to not increase the interest rate. I feel that the consumer is not being treated fairly with not offering the consumer similar lower interest rates that a debt relief company can offer. Please help with this issue.

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 2022-07-24
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: Old information reappears or never goes away

Complaint:
XXXX has 3 accounts of my credit report. One that is active is fine and needs to stay. I need the 2 that are closed off my credit report. The old account is 9 years old and settled, it needs deleted. I am trying to purchase a home and this is hindering my ability to do this. There is another old XXXX  account that I am an authorized user of that is 20+ years old just on my equifax credit report, it is not mine, I do not know whos this is but it needs deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26
Company: JPMORGAN CHASE & CO.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Chase is reporting inaccurate late payments on my credit which are severely damaging my credit scores. My car was totaled XX/XX/XXXX and since that time, Chase has been servicing my account poorly. 

I am trying to apply for a mortgage but these late payments have set me back drastically because of the hit to my scores. 

Currently, they are reporting that I have been 30 days delinquent on my payments since XX/XX/XXXX. 

The fact that my car was totaled was something beyond my control. After the accident, I was never able to make regular scheduled payments online as this account was marked as special collections. In order to discuss my account, I would be kept on hold for up to 90 minutes at times making it very difficult to get assistance. Each representative I did speak to would tell me that my payments would retroact back to XX/XX/XXXX ( This would be insurance and gap payments ). 

Unfortunately, this never happened as they indicated and each time I called back there were delays ; Delays in paperwork being sent to GAP and insurance. I made the necessary arrangements for my insurance to cover their portion but I have had to mediate this entire process with Chase since the accident. 

A lady from the executive office called me after the first complaint I filed and she told me that she would remove the first late after the retro payments back to XX/XX/XXXX. 

This never happened as stated to me and she never called me back. I also tried to call on my own and the representatives told me it had not been done yet. 

In the meantime, it seems that payments were being applied haphazardly to either interest or principal and they have been reporting me 30 days delinquent since XX/XX/XXXX. I 'm not sure if they were being spiteful because of my previous complaint but on XX/XX/XXXX, they reported me late again and said they would not be able to apply it until XX/XX/XXXX?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01
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: Account status incorrect

Complaint:
Equifax is reporting me deceased due to that Im having hard time getting loans. I submit it a complaint in XX/XX/2021 and never got a response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Hard inquiries are still on my credit report, they need to be deleted. They are XXXX XXXX XXXX and they are reporting the wrong dates for them to be deleted off my credit reports. I need them off, I am trying to purchase a home and it looks like I have to many hard inquiries and they need to come off now. PLEASE! 

They are saying they will deleted XX/XX/XXXX. 2 years from the inquiry is XX/XX/XXXX, not XXXX. This is crazy they can do that, XXXX  would be 2 years and 2 months. Two year reporting should be XX/XX/XXXX to XX/XX/XXXX Please delete the following off my credit reports now! I am trying to purchase a home and need them off. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX has 3 accounts of my credit report. One that is active is fine and needs to stay. I need the 2 that are closed off my credit report. The old account is XXXX XXXX XXXX and settled, it needs deleted. I am trying to purchase a home and this is hindering my ability to do this. There is another old kohls account that I am an authorized user of that is 20+ years old just on my equifax credit report, it is not mine, I do not know whos this is but it needs deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
On XXXX I have invalid inquiries on my report and XXXX has not helped me at all and they did not remove these inquires. They are the worst credit company to try to get help from with your credit. They keep asking for letters to be mailed, which I think someone is using my ssn # as I am sending mail to XXXX. XXXX has helped me and they are still working to remove credit inquiries. XXXX I have no problems with them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
In XXXX I took out a private loan for XXXX XXXX XXXX ( now closed ) ; In XXXX I graduated XXXX. I was unable to find gainful employment for several years. When my forbearance was expired, I asked XXXX XXXX for help. I did not have the money or the cosigner for their only offer for assistance. Today I have a default judgement. I have tried to talk to XXXX/navient many, many times. They tell me to talk to the attorneys. I tried to make a settlement offer with the attorneys two separate times ; they ignore me. I am being charged {$100000.00}, I have already been garnished almost {$25000.00}. I am told I have to pay upwards of {$120000.00} for an education that cost less than {$50000.00} and took me over 10 years of hard work to make at least $ XXXX/year. No one will talk to me. This is extortion

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I used my husband 's debit account to pay my student loan bill. Navient would n't take the payment because my husband is not on my loan. They returned the payment and did n't notify me that my bill was due causing late fees and hurting my credit. I am on the IBR plan, and I do n't know how that will affect my payoff. 

I also work in non profit, so I was planning on applying for loan forgiveness after 10 years of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Santander Consumer USA Holdings Inc.
State: MI
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:
On XXXX I have invalid inquiries on my report and XXXX has not helped me at all and they did not remove these inquires. They are the worst credit company to try to get help from with your credit. They keep asking for letters to be mailed, which I think someone is using my ssn # as I am sending mail to XXXX. XXXX has helped me and they are still working to remove credit inquiries. XXXX I have no problems with them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
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: Old information reappears or never goes away

Complaint:
XXXXXXXX XXXX XXXX XXXX is still showing on my credit report, this account was settled and an old account. It is 7 years old, it is hurting my credit score and I need it deleted so I can purchase a home for myself and XXXX children.

Company response to consumer: Closed with explanation