BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-11
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit card
Issue: Other

Complaint:
I am joint on a credit card with my sister. My sister has charged it to the limit XXXX twice. She and her husband paid it off in XXXX 2015. At that time I was to be removed from the account after 30 day to ensure it would be reported correctly on my credit report. However, when I called to make sure I was removed, they said the account had been closed, but they would have to reopen it to ensure proper in reporting, so I said in thirty days I would be removed. So they never removed my name because they say my sister does not qualify on her own and just opened it with me still on it. Now she has run it up again, and has not made a payment in 4 months. This is negatively affecting my credit because the balance of {$10000.00} is a XXXX of my income she makes almost {$XXXX} a year. I have been on the phone with the credit card company 2 hours at a time on two different occasions and they refuse to remove my name from this credit card I do not recall authorizing I did not authorize them from the beginning. I do n't know this. I do n't want this burden of this that reflected on my credit report and negatively being reflected on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I want this late payment deleted from my accounts within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX Balance {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Resurgent Capital Services L.P.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
these are not my accounts and I would like them removed asap as I have already did several disputes with XXXX. 




Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XX/XX/XXXX Credit Limit {$28000.00} Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account  Balance on XX/XX/XXXX Credit Limit {$30000.00} XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Original balance {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Nissan sent me a check for {$100.00} and it bounced in my bank account.They put a stop payment on the check and I was never notified not to cash the check.So this put my bank account in negative status.Two checks were sent out both bounced.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Santander Consumer USA Holdings Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
TO ALL CREDIT FURNISHERS, ALL ACCOUNTS THAT SHOULD BE REPORTING ON XXXX, TO WHOM HAS VIOLATED F.C.R.A. 15 U.S.C. Section 1681g since XX/XX/XXXX must effective today re-insert the account back into transunion suppressed credit reports.or face class action litigation in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Back in XXXX I purchased a vehicle, XXXX ; My financing at that time was with a local financing company. After having the vehicle for about 3 to 4 months, I received a correspondence that Capital One was now the lien holder of my auto loan. I began making payments through the new account online through Capital One 's website. My auto loan payment was roughly $ XXXX. After my account was switched over to Capital One, I started receiving calls about late payments, additional fees, and also that my car payments were now $ XXXX. I had to make these disputes each month and still never received a resolution even having all of my original bill of sale documents. In XX/XX/XXXX, I traded in the XXXX for the vehicle I currently have now and have not heard anything from Capital One. Several months later, about XX/XX/XXXX and XX/XX/XXXX, I had my credit checked and found that Capital One was reporting this auto account as severely delinquent. I went through the process of contacting them as well as making disputes with the credit bureaus in regards to this account and did not receive any information as to how to resolve these errors. One instance when I called Capital One, I spoke to 5 different people, and each gave a different story, however no one has ever sent me any information to validate this account. I have been reaching out to them and to the credit bureaus for over 2 years now, writing letter after letter of disputes, deletions, and even letters of validation and to no avail, I do not receive anything in return. My last round of correspondences that I sent out again to Capital One and to the credit bureaus was in XXXX and I have yet to receive a response again. I 've exhausted going through credit resolution services, etc. trying to get this account removed from my credit report as it is being reported inaccurately. The car was originally purchased for about {$12000.00} and Capital One is reporting this car now as a Charge Off/Repossession for {$10000.00} as of my current credit report that was pulled on XX/XX/XXXX. Whether the car was traded in for the full balance owed and then resold, I am not obligated to this debt any longer as the car is not in my possession and was transferred correctly. I am at my wits end as these errors have negatively impacted my credit abilities for several years and I do n't know what else to do in resolving this situation. I do n't believe that it is fair to me to have to make a possible settlement on a debt that I 'm not responsible for and would like if this account is removed in its entirety from my credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: PENTAGON FEDERAL CREDIT UNION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company told me that they would do a soft pull to do a pre approval on an Auto Loan. They lied. They hard pulled my credit and then lied about it again when i called to get clarification. Only after i talked to a manager did they admit to hard pulling my credit report. They lied and negatively affected my credit score because of it

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 2015-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Issue: Balance transfer

Complaint:
I initiated a 0 % promotional transfer from my AAA credit card from AAA Financial Services in XXXX DE. I had done this in the past and did n't notice this issue. AAA offered me a 0 % balance transfer but did not explain that my regular monthly charges would now be charged an interest rate even though I paid those off each month while carrying the balance transfer that I pay off in small amounts each month. So it does not make sense to me that I pay interest on a balance that I pay off each month, on time. How is this a good deal? It feels like a scam to me. I have had this credit card since 2003. I have excellent credit. They told me this was explained to me when I initiated the offer but I do n't recall. I am in the process of switching to another card, but wanted to file a complaint because this does n't seem right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-10
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: Account status incorrect

Complaint:
The Credit Bureaus are reporting a my accounts as charge offs when they are not. By there definition a charge off is when an account is 6 months late/ delinquent. But I never had a late payment. I never defaulted on my payment. The credit bureaus refuse to fix 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 explanation
Consumer complaint received 2022-01-27
Company: Thaxton Investment Corporation
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: HYUNDAI CAPITAL AMERICA
State: MN
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:
My leased vehicle was turned in early. I contacted Kia to find out my balance, how to pay it, and when it was due. They told me they were unable to provide information on the remaining balance until the vehicle was sold. I contacted them again several weeks later and was told the same thing. A third time in contacting Kia I was informed the vehicle was sold, however it would be an additional few weeks until it was processed. After several more weeks of no letters, no phone calls, or no contact from the company I called again. I was told it was still being processed and that someone would get back to me. I called again several weeks after that and was told there was an issue with my account and that it was showing my account had not been closed. She said she would figure it out and call me back the following day but I didn't hear from anyone. I am in the process of purchasing a home and my credit report was ran. It showed my vehicle had been repossessed and it was negatively affecting my credit score over 70 points. I called again today to find out more information about my account. I was transferred to their recovery team. They said my account was still open and that it should not be affecting my credit score because a final balance is not yet available. They said they were unable to provide me with more information at this time. I have never missed a payment on anything in my life. Not providing information on amounts due and how to pay them is unacceptable, especially when it is negatively affecting my credit and keeping me from purchasing a home. I have made multiple attempts at trying to fix this issue with no success.

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 2016-09-13
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
We applied for a cash-out refinance with XXXX to get out of an ARM with a balance of $ XXXX, consolidate a XXXX mortgage of $ XXXX, and pay off debt. Specifically, I requested a full 80 % of the appraised value, which my husband and I estimated to be approximately $ XXXX. The initial paperwork we signed showed the mortgage value of $ XXXX associated with an $ XXXX value We spent {$520.00} on an appraisal and two months of underwriting. The appraisal came out to be less than expected - $ XXXX. As a result, the underwriter backed out stating our Debt-to-Income Ratio was too high to take out 80 %. In order to take out 80 %, we needed a D/I ratio of 35 %. However, neither our debt position or income earned had changed. It had always been around 38 %, when considering the mortgage balance, student loans and auto loan that would remain after the refinance. If anything, by refinancing a lesser amount, our debt position would be reduced. 

We were deceived. We should have been told up front by the mortgage officer, XXXX XXXX, and the documentation should have reflected a mortgage of 75 % of the appraised value.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Synchrony Bank CONVERTED my Banana Republic store charge card to a Visa credit card. In the process they reported to the credit agencies that this account was closed and that a new account was opened. I never authorized such a change, nor did I request it, this was a unilateral conversion on the part of Synchrony Bank and the card should be reported to the credit bureaus reflecting the ORIGINAL opening date of XXXX/XXXX/2005.

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 2020-08-10
Company: Experian Information Solutions Inc.
State: CT
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:
A goodwill letter was sent to XXXX XXXX and my credit report was update a couple days after reporting on-time payments. However, the credit bureaus retracted this after a month and reinstated the late payments that have been resolved between myself and XXXX 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 2016-04-17
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have had a Barclays credit card for years, in addition I have XXXX delinquencies on my credit report. Barclays mails offers for 0 % interest on balance transfers ( for credit card ). I took up the offer and transfers {$2700.00}. dollars. On XXXX XXXX, I received a letter in the mail that my limit is being lowered because I had a XXXX fico score from XXXX ( XXXX ). According to XXXX XXXX is good credit and with XXXX delinquencies, I feel Barclays card is now hurting my score by lowering my credit limit, by a unjust means. 

They are using a ROBO style decision that will hurt XXXX 's of people applying for school loans, insurance or even jobs. I feel if you dig deeper, Barclays is looking to lower their credit exosphere because of the recent failed capital requirements. They are cutting and hurting highly qualified people like myself. I take great pride in my credit and I now with lower credit limits, they will cost me higher rates, higher insurances so they can show they have enough capital. This not fair, and personally working in financial credit risk for XXXX years, if you looked at their practice, a lot would be exposed.

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 2016-12-30
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
ive asked to please stop calling that i am working with a company for debt relief but they constantly do not stop, they start as early as XXXX and some times nearly XXXX even on sundays

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 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I submitted a dispute to Transunion for the credit XXXX  on my credit report. Their report that states that this creditor account was included in a bankruptcy. Also that this account wads closed on XX/XX/2014. 
Both of these are incorrect according to the attached letter from the creditor XXXX. Their records indicate that this account was charged off on XX/XX/2014. It was settled in a bankruptcy. This information has been reported incorrectly for 6 years!

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 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XX/XX/XXXX and I've never received a response to my address on file. This is preventing me from moving forward with my dream of owning a home. Please respond.

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 2020-08-10
Company: Fidelity Properties Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was not provided any information about this debt prior to account ( s ) being placed on my credit report and I did not have the opportunity to dispute. 

Please provide Validation of debt, Method of Validation and Assignment of Debt for these accounts as they are not mine. 

FIDELITY PROPERTIES IN : # XXXX # XXXX # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft, applications were submitted in my name and my identity have been used without my consent to fraudulently obtain goods and services. 
I have three fraudulent accounts on my credit and i did submit a ftc report to them and they blocked the fraudulent accounts, but after a month the collection companies and one of the banks unblocked the accounts with false information submitted to the three major credit bureaus, please direct all three major credit bureaus to block and delete all three fraudulent accounts listed below. 
1. XXXX XXXX account number XXXX, account was opened fraudulently on XXXX, total amount of fraudulent balance is {$5400.00}. 
2. XXXX XXXX, account number XXXX, account was opened on XXXX, total amount of fraudulent balance is {$5900.00}. 
3. XXXX XXXX, account number XXXX, account was opened on XXXX, total amount of fraudulent balance is {$36000.00}.

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 2016-11-29
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card
Issue: Billing disputes

Complaint:
I opened a Sam 's club credit card when a clerk told that me I would " Receive {$45.00} off Instantly '' if I made a {$100.00} purchase the day I opened the account. There were signs all over the store adversiting this offer. When i received my statement the {$45.00} was not deducted. I called XXXX and was told that I was given wrong information. The credit would not appear for 2 or 3 months. I said I wanted to pay the balance, but I would deduct the {$45.00} dollars. I was told I would be charged interest.

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