BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2020-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. Transunion has XXXX, ACC #  XXXX Balance of {$300000.00} as Date Opened : XX/XX/XXXX, however XXXX  has the following info claiming to be accurate, Date Opened : XX/XX/XXXX, and XXXX is not reporting it at all. 

TransUnion has : XXXX XXXX Account # XXXX Balance of {$640.00}, as Date Opened : XX/XX/XXXX, Balance Owed {$8.00}, and Payment Amount {$8.00} ; however XXXX  has the following info claiming to be accurate : Date Opened XX/XX/XXXX, Balance Owed {$17.00}, and Payment Amount {$9.00}, and XXXX  is not reporting it at all. 

TransUnion has : XXXX XXXX XXXX Account # XXXX Balance of {$100.00}, as Date Opened : XX/XX/XXXX ; however, XXXX  has the following info claiming to be accurate : Date Opened XX/XX/XXXX, and XXXX  is not reporting it at all. 

TransUnion has : XXXX XXXX Account # XXXX Balance of {$190.00}, as Date Opened : XX/XX/XXXX ; however, XXXX has the following info claiming to be accurate : Date Opened XX/XX/XXXX, and XXXX  is not reporting it at all. 

TransUnion has : XXXX XXXX Account # XXXX Balance of {$20000.00}, as Date Opened : XX/XX/XXXX ; however, XXXX has the following info claiming to be accurate : Balance of {$19000.00}, and XXXX  is not reporting it at all. 

If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? 
This is not possible and because of this inconsistency, please delete the following accounts from my credit profile immediately. 

XXXX, ACC # XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXccount # XXXX I also asked if they would update my personal information in their system, they have not done so. 

I asked for them to remove the fraud and security alert from my credit report and they have not completed that!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: Santander Consumer USA Holdings Inc.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I co-signed for a loan on a used car with the auto loaner Santander. The head of the account became defaulted on the loan against my knowledge. I never received any correspondence from Santander regarding this unpaid car payment. The car was later repossessed and I did not receive any notices regarding reinstating the loan or the sale of the vehicle. No notice of default, no notice of redemption/reinstatement, no notice of sale and to this day, still no notices of post-sale deficiency. Had I known anything about this going on with the account I could 've tried to avoid the repossession all together. Now this deficiency is on my credit report. I still have not received any written correspondence from Santander. Pulling my credit report is the only proof I have of the deficiency. Because of Santander 's failure to contact me, I am now being held liable for the deficiency at no fault of mine because I was not aware of the defaulted loan, the repossession or the sale of the vehicle. I am pretty sure Santander will try to come up with something to fight my complaint. I would like for them to please provide a signed copy of the initial contract, copies of the legal notices sent out regarding this account and proof of the resale of the subject vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received my federal student loans in XXXX while attending XXXX XXXX COLLEGE in XXXX, OK. I graduated in XXXX with an XXXX  XXXX XXXX and in XXXX the loan payment on the 2 consolidated loans was to begin. From XXXX-XXXX  I worked for XXXX XXXX XXXX  as an XXXX XXXX and when I inquired about and applied for the forgiveness program for government workers I was told I didn't qualify, I have continued to make payments all theses years and still have a balance of {$11000.00} and am now retired from XXXX XXXX. My son now is in college and we are trying to help him without assuming the debt I did while I continue to repay a loan over 20 years old. I feel like when I applied for the government forgiveness program I was misinformed and should have qualified. Since the ongoing law suit against Navient and all of theother borrowers coming forward with similar stories I am convinced that I was misinformed as to my application for government employee forgiveness. Please help I feel like I will pass away before they are paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Experian Information Solutions Inc.
State: GA
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 reviewed my credit report and noticed several items that where in accurate and fraudulent. I contacted the credit buearus immediately and there has been no resolution to my issues. I filed a complaint with the FTC as well as contacted my local police department with no resolution. I am now contacting you with hopes of resolution. 

Below are fraudulent accounts in question : Company Name : XXXX XXXX Date Open : XX/XX/XXXX Account # XXXX Balance:XXXX Below Are a list of Inquires I did not authorize and are fraudulent. 

Company Name : XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX/XXXX   Inquiry Date : XX/XX/XXXX Company Name : XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Their are 2 student loans on my report that are reporting late FROM XX/XX/XXXX UNTIL XX/XX/XXXX I paid this company on time during these months and i continued to pay them to this day on time this information is totally inaccurate. 

Company Name : XXXX XXXX XXXX Account : XXXX & XXXX Date Open : 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 non-monetary relief
Consumer complaint received 2020-02-12
Company: Experian Information Solutions Inc.
State: PA
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:
Dispute with Experian information regarding late payments on a mortgage company. Documentation was provided showing bank statements of payments for XXXX, XXXX, and XX/XX/XXXX. 

The company, XXXX, offically closed it doors on XX/XX/XXXX. Despite XXXX being closed on XX/XX/XXXX, XXXX, Experian was still able to verify the information as accurate. All employees were laidoff from the company based on news articles.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Social Finance, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
SUBJECT : Hardship ; XX/XX/XXXX -- I relocated back home to help my recently widowed Mom. XX/XX/XXXX - I was unemployed. XXXX XXXX I Submitted for a " 12 month Unemployment Deferment ''. XX/XX/XXXX - I get noticed that I was late on my payment. XX/XX/XXXX. I called to find out my " 12 month deferment was in 3 month increments. '' Apparently, I had missed the time line by a mater of days. In addition, I am taking my Mom to the Emergency and struggling to find gainful employment and its the holidays. SoFi charges late fees on me. Does not allow me to any more deferments. Reports me to credit agency. I continually paid SoFi through this time and called them multiple times to work out something with me. There is not 1 month in question where money was not sent into SOFI and calls made to keep them informed of the status. My income has been cut by 75 % and they tell me no to refinance, give a forbearance to allow me time to restructure or anything and will not work with other creditors to consolidate or refinance. I felt I was caught up in the " small print '' of things. They continue to send emails telling me they will " help '' but continue to refuse continued " help ''. The entire 12 Month deferment was shady in verbiage in my opinion. I thought I was under deferment when I was not but at the time I was struggling to help my ill mother. I am attempting to restructure my finances and requested additional time to help find my options on XX/XX/XXXX after paying them {$4300.00} and bringing this account current. They once again, told me " no ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
An account has been re-inserted to my credit file after it was removed. The bureaus are also still reporting a public record which is out of date and inaccurate.These items are to be updated every 90 days with the courts. Trans Union as well as XXXX continue to report a bankruptcy in my previous name.

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 2022-06-18
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
- IKEA Credit Card Auto Pay unenrolls automatically without informing the customer.

- IKE Credit Card charged late fee and late fees for late fee and charged interest for late fees. 

I have been trying to setup IKEA Credit Card 's automatic payment for some time without any success. I set up the automatic payment several times online in my account. It looked liked it was successfully setup. But then it unenrolls me from automatic payment and I was charged late fees. It happened several times. 
On XX/XX/2022 I found out that the automatic payment was unrolled and made payment manually 2 days after the due date which was XX/XX/2022. I paid the full balance. However, I didn't know that a late fee of {$40.00} was charged on my account. 
When I checked my account in XXXX IKEA Card charged late fee and interest on the late fee. I disputed the charge on XX/XX/2022 and talked to XXXX with ID XXXX. He could wave only one of the late fees. I still think that I shouldnt pay any fees since its automatic payment unrolled itself. I asked him to check this issue. I also talked to XXXX at IKEA Card 's dispute center. Noone could take care of the automatic payment issues. I disputed the late fee and interest charges on late fee. I also requested IKEA Card to fix its sissues with Automatic Payment.

I talked to manager XXXX on XX/XX/2022 at XXXX. XXXX finally admitted that IKEA Credit card unenrolls from auto pay as soon as there is no balance in my account without informing the customer. 
I think this is unfair practice. 
Please investigate. 
Thanks,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-18
Company: Medical Data Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and 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 2017-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB, my home that was taken from in XX/XX/XXXX and i was told by bank of america that the it was conveyed back to XXXX XXXX and there is still no one occupy the property, at this moment i am pleading with CFPB to allow me to pick up from where i fell off and lower my monthly mortgage payment and allow me to return to my home, i choose this property in XX/XX/XXXX left my footprint in the dirt then watch my home { The XXXX Model } built and then in XX/XX/XXXX i move in, I was so exited, as a single parent raising XXXX children and wanted the best for them i choose a neighborhood i wanted them to be safe so i knew then i had to work hard to keep up with my mortgage and that exactly what i did, i even open my own business and then the recession hit i fell back on my mortgage payment i spent XXXX of dollar to Lawyers and Agencies to help me save my home but unfortunately because the lack of my knowledge my home that i built and lived for fifteen years was conveyed back to the investor XXXX  XXXX, and right now i am pleading with XXXX XXXX please to have some mercy and allowed me to go back home

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I 've had a Costco Visa credit card for 3 months. Every month I make a one time payment for all my purchases with my XXXX XXXX checking account that is linked to this credit card. A VERY excessive payment hold is placed by Citibank after they have already received the money. Because of these excessive payment holds I 'm unable to use the credit card because they do not adjust the available credit. Payment hold times after Citibank receives the funds are so excessive this seems illegal. I spoke with a Citibank manager via phone who stated that he totally disagrees with this practice. He stated " once a payment posts we should not continue to place a hold on that available credit for such a long time ... sometimes up to 2 weeks ''. Unfortunately, the only way to remove this hold is for customers to call Citibank and request a 3-way call with their bank to confirm payment. I 'm considering closing this account because the time I spend each month with Citibank making that 3-way call is a lot more valueable than the benefits this card offers.

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 2022-06-18
Company: U.S. BANCORP
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 information incorrect

Complaint:
I am an authorized user for a USBank credit card. They took my social security number when I was added to the account, although I'm not financially liable for the account. USBank is reporting to the three credit bureaus and this is negatively impacting my credit. I was recently declined for a credit card as a result. The only credit card I have a high balance on is this card and my denial letter stated, " The number of credit card accounts on which, in our estimation, you have not paid a majority of the balance in recent months as indicated in your credit report. The balances on your credit card accounts are high in relation to their credit limits, as reflected in your 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 non-monetary relief
Consumer complaint received 2022-06-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My father died on XX/XX/XXXX which we reported to the bank within three business days. On XX/XX/XXXX, 5/3 Bank placed a hold on a deposit by the XXXX. On XX/XX/XXXX, I attempted to close the account and became aware of the hold which caused me not to be able to close the account. 

On XX/XX/XXXX, I became aware that 5/3 Bank was still holding the payment and they were now charging a fee on the account. 

When contacted, 5/3 Bank finally acknowledged that they were holding the payment, that they had been holding the payment for almost 2 years and that they should not have charged the fee. 

They removed the fee, but are continuing to hold the payment until - at a minimum - XX/XX/XXXX some 2 years and one day after placing the hold. 

My complaint is with regard to the violation of federal requirements for holding deposits in excess of seven business days and the failure of the bank to resolve the situation when it was reported to them in person on XX/XX/XXXX. 

My mother and I appeared at the bank in person even though I have co-ownership of the account and durable power of attorney as the bank has previously required her to appear in person to handle other matters. 

The Account Services Representative consulted with the Branch manager and then refused to close the account or to release the hold in XXXX. I was instructed to contact the Social Security Administration to have the hold released (! ), and told that I could not pursue the issue further with 5/3 until they actually began charging me a fee as they asserted to me that the matter was being " looked into '' and that I was not being harmed as they were not actually withholding any funds. There was just a hold on the account. 

To be clear, 5/3 Bank was withholding access to a payment in the approximate amount of {$1800.00}. 

I contend that withholding funds rightfully belonging to my family and preventing my Mother from depositing the funds into an account which would have paid interest - or using the funds to pay debt if she had any - is absolute harm and is a violation of our consumer rights. 

I am additionally convinced that 5/3 Bank does this routinely and has placed similarly situated families in the same position.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2022-06-18
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 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

Company response to consumer: Closed with explanation