BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-21
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: Was not notified of investigation status or results

Complaint:
As I write this I am in tears since being victimized by IDENTITY THEFT in XX/XX/XXXX and the credit reporting agencies failing over and over and over to remove fraudulent attempts to apply for credit because XXXX  breached my identity and they now have my : DOB SSN Current Address All three of the credit reporting agencies were sent VIA FIRST CLASS MAIL a request for 7 yr fraud alert along with copies of the XXXX Police Report filed after my identity was stolen. To date, none of them have put this 7 year fraud alert, and when the 90 day alerts expire, that is when the flood of fraudulent applications appear again as hard inquiries, which continue to plummet by FICO score and I have had to spend hours and hours with the creditors to tell them I did NOT apply for credit, or I have to cancel credit cards that have been used online fraudulently. I have gotten to the point where I have chosen to cancel credit cards because the banks that represent them have failed to secure my identity, and continue to let applications through even though their are security freezes and fraud alerts on all 3 credit reporting agencies. 


I had an average credit score of over 800 prior to XXXX ruining my score which has plummeted 25 points and higher because they REFUSE to remove the hard inquiries. 

I have screamed at XXXX and they said that they are EXPERIAN inquiries, and you have to contact them,, over 120 days ago I did just that after being flooded with letters from creditors saying they turned down my credit because of too many inquiries and applications for credit that I DID NOT do. 

prior to EXPERIAN being notified I was told I could put a security freeze, which I do have in place BUT they still have refused to remove the hard inquiries and now my FICO score has dropped 25-40 points since XX/XX/XXXX 

Now I am considering legal action by going to XXXX XXXX XXXX  reporters to help me get them to do their jobs and when the Trump Administration 's XXXX, your new Director dropped the complaints and investigation with CFPB on XXXX data breach and I am livid about that. 

I can't get any credit because after months the hard inquiries are still on my report. Experian told me they would do an investigation and remove them! They've done nothing expect ruin my life since I have to field weekly calls, letters, and emails stating I am applying for credit and is this fraud? 


that 8 hard inquiries were fraudulent and I provided a POLICE REPORT, I provided correspondence to make the 90 day fraud alert, permanent for 7 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 2020-05-04
Company: Experian Information Solutions Inc.
State: OK
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 wrong, inaccurate fraudulent accounts on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to get off my Ex-Husband 's HELOC with Bank of America for two years. His name is the only name on the note it'self. My signature was required because Michigan was a dower state at the time. My name was on the application only which had expired. I have written several letters and my ex-husband has called several times. He has been making the payments for 9 years. Bank of American refuses to take my name off. The note is from a lending company that no longer exists. They want him to refinance which costs money. They will no longer respond to any of my requests.

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 2017-11-28
Company: Gurstel Law Firm, P.C.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice on my credit score about a debt. I called Gurstel Lawfirm PC to ask them to send me written proof that the debt was mine. I have contacted them 3 times to try to get this information and still nothing. I am trying to purchase a home and need this off of my credit in order to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just pulled my XXXX  credit report found that XXXX XXXX had put a mysterious amount on credit. I have paid them everything I needed to pay all months and on time due me being on auto-pay. My free cancellation due to move outside of building radius of 40miles doesnt seem to be free after all. I moved to a whole different city with no XXXX In sight. I spoke with customer service over the phone in XX/XX/2017 and everyone seemed to be genuine. Im looking for a resolution to this as soon as possible.

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 2015-07-28
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XXXX Purchased a XXXX 2010 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Notified Chrystal Capital that I was on a Medical FMLADiscussed with Customer Service and it was agreed to do a defer to end of loan some payments.And i was to receive a Contract to sign and send back immediately but never received. 
Made several calls to Customer Service, since i received no call or mail from them on a update, To be told " Oh it 's denied ", and you ask for a reason and your told they never tell us. 
Then Customer Service, says pay more money and we will do it again. Same thing just on going " Denied '' No reason. 
Now, I have all these fees added and late charges and my Loan shows that I owe more money now then i even borrowed. 
My interest rate was to be per XXXX, XXXX i questioned before i signed @ XXXX, and was told XXXX. 
I called Chrystal Capital, one month ago cause things did not seem right a questioned my interest rate and they said XXXX. 
i never agreed to 21 percent on this SUV. 
they have the hole just getting deeper and deeper and i am seeing NO way out with Company. 
I need your help Please, I XXXX Chrystal Capital and read XXXX Complaints On Consumer Affairs alone. just, like mine and alot on other sites too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Capitol One Auto Finance violated all of the below noted laws under the Fair Debt Credit Reporting Act : 15 USC 1692b ( 2 ) 15 USC 1692b ( 5 ) 15 USC 1692d ( 1 ) 15 USC 1692d ( 4 ) 15 USC 1692c ( a ) through 15 USC 1692c ( a ) 1 15 USC 1692e ( 2 ) ( A ) 15 USC 1692e ( 4 ) 15 USC 1692e ( 7 ) and 15 USC 1692e ( 12 ) 15 USC 1692c ( b ) 12 CFR Part 1026.23 ( b ) 1 They additionally illegally seized my property:2019 XXXX XXXX XXXX They shared my information with multiple third-party companies ; one by the name of XXXX XXXX XXXX- XXXX XXXX XXXX ( XXXX ) XXXX which they used to aid them with the illegal seizure of my property without my permission and have subsequently sent harassing letters which include a " Notice of Negative Credit Report '' specifically violating 15 USC 1692d. This additionally is a violation of 15 USC 1681b ( a ) ( 2 ). They are continuing to harass me causing immense stress to myself and family by reporting false/misleading information to the following consumer reporting agencies : XXXX, XXXX and XXXX by posting the alleged debt of over {$25000.00} not including erroneous fees to the third party companies mentioned above. This is an infringement upon my " Right To Privacy '' pursuant to 15 usc 1681 ( a ) ( 4 ). From the first communication from the company they violated the FCRA including never sending proper notice to rescind within the timeframe applicable by law. This matter resulting in lack of transportation has caused great strain to myself and my children as I have been unable to efficiently aid my XXXX daughter with her medical care and/or attend hiring events for potential employment after being severely impacted by the pandemic. The above noted infringement on my privacy additionally impacts me from potential employment and ability to acquire transportation as it negatively impacts my reputation. 
I have sent a Statement of Facts letter to the company by certified mail and have not received any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XXXX/XXXX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had to use Wells Fargo several times to cash a tenant checks or a state checks. I would dread going to the branch because they would always give me a hard time about not having an account. They would come up with excuses why they could n't cash my check, requesting my finger print each time. Two of those many frustrating bank visits I was told to just open an account to make my check cashing process easier. Twice I had a checking opened for me and I think a savings account as well. I told them I would never use their bank because their hours of operation were not convenient for me. Each time I opened these wells Fargo accounts and deposited money ( about {$50.00} each time, thank XXXX I followed my gut. I lost most of my retirement money with XXXX, NOW THIS? ) within months these accounts were closed BY THE BANK with a {$0.00} balance because the bank depleted my bank account with their ridiculous fees. Feel free to check it out. I never liked or trusted Wells Fargo. XXXX XXXX should also be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: Synovus Bank
State: FL
Product: Credit card
Issue: Other

Complaint:
on XX/XX/XXXX my wallet was stolen with all my credit cards. On XX/XX/XXXX I notified XXXX XXXX all my credit card companies. My credit card tomorrow all reissued. All my credit card companies are still reporting to all The credit reporting agencies except for one, First Progress XXXX. I have allowed adequate time and have kept checking my credit file for them to update the account which was XX/XX/XXXX. It still has not updated on either of the XXXX credit reporting agencies. I contacted First Progress today and ask them why it is not reporting to the XXXX credit reporting agencies they responded it is reporting. I indicated I have checked and I would check with them while I was on the phone with them I confirmed neither XXXX XXXX nor experience shows an open account with First Progress XXXX. It shows closed accounts with them. They asked me to provide a copy of my credit report them I said the burden of proof is not mine but there 's the credit card agreement with them is that they are to report to the credit bureau 's. I filed an escalation claim with them. So now I 'm afraid that I 'm going to suffer the same detrimental effects that I have with XXXX XXXX for nine months I 've been struggling to have them repair the same issuue! To no avail! so again it 's going to cost me money and time to remedy the problem or error that is not mine. Please help me in resolving this matter. Time is of the essence! 60 days is not required or acceptable to resolve the issue it 's adversely going to affect my credit and my health. again, I went through the same thing and I 'm going to the same thing with XXXX XXXX will buy the state and they have kept on stating the same thing we fix the issue and it is reporting to your credit report and it is not reporting to echo fax with XXXX XXXX now with First Progress it is not reporting to any of the XXXX credit reporting agencies they stay it it is I reviewed all three and is not reporting to any of the XXXX. I do n't have access to print all three I can view all three through an app on my phone. I will attach what I can through your website. It 's a secured credit card. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Williams & Fudge, Inc
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
RE : Williams & Fudge, XXXX XXXX ( XXXX ) XXXX : Company clearly bought an old debt for pennies on the dollar ; stated a very inflated / incorrect amount as part of an invoice that was sent over a public Company server as opposed to my personal e-mail. Prior to the e-mail that was sent to a public business domain today ( Friday, XX/XX/XXXX -- which I have a record of ), XXXX XXXX XXXX called repeatedly to my cell phone and made fun of / mocked my last name. This is harassment for a debt that is not even correct plus outside of the Statute of Limitations. Please Advise how I should proceed. 

P.S. The company server that he sent the e-mail is a Company that furloughed me due to the Coronavirus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I applied for credit through XXXX XXXX, XXXX, MI to purchase a new washer. I was denied. I paid for the washer with my XXXX XXXX. A couple of weeks later, I received XXXX letters from Santandar Consumer USA. XXXX indicated I had been refused credit, the other told me what my limit was. I never received a card or anything further until I received a statement indicating a {$49.00} balance. I called on XX/XX/2015 and spoke with XXXX and was given the run around before I was disconnected. I called back and was told by XXXX who said the {$49.00} is automatically billed for having the card ( what card? ) and I owed this since I opened the account. I explained the situation and after some stressful conversations, was told the account would be closed. The next month I received another Statement showing I owed the {$50.00}. I called again on XX/XX/2015 and spoke to XXXX who indicated that even though I was denied credit through XXXX XXXX, I stilled owed the fee because XXXX had picked up the account on their own. I only applied through XXXX XXXX! I never agreed to have the account " picked up '' by anyone. Again, after more stress and lack of understanding, she assured me the mistake would be corrected within XXXX business days. I received another statement. This time for {$51.00}. On XX/XX/2015 I called and asked for a Manager. This time I spoke to XXXX. She indicated she would " make sure it is taken care of today. '' She was going to send it to the appropriate department to get it done. Well, I have just received another Statement for the {$49.00} and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft/fraud.

I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, EQUIFAX, XXXX XXXX XXXX   XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX, XXXX XXXX XXXX   continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: Cottonwood Financial Ltd.
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written several times asking for VALIDATION and PROOF that I applied for a PAYDAY LOAN I have gotten no assistance in this matter and no response in timely manner. 

I am asking that this account be validated showing a SIGNED contract with myself and XXXX XXXX XXXX XXXX  If this account can not be lawfully validated I ask that this account be removed from my credit report and discontinue collections attempt and reporting.

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 2016-07-01
Company: WELLS FARGO & COMPANY
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My partners and I have a Wells Fargo business checking account that we mobile deposited {$3300.00} into on XXXX/XXXX/2016. The check was from a vendor who 's account is with XXXX here in XXXX. A few days later the funds were pulled out of the account and we were told that the check and been flagged for an inconsistency with the vendor 's signature. After inquiring with the vendor we learned that they never received the funds back from Wells Fargo and thus could not reissue the check. Following this we were also unable to locate the original physical check. Wells Fargo proceeded to open an internal inquiry into what happened and discovered that the check had been deposited somehow at a XXXX. No one within the business possesses an account at XXXX or presented the check at any location. This is the only information we have been able to get and Wells Fargo, XXXX, and XXXX all claim an inability to take any further action to help us recover our funds. Our local branch manager at Wells Fargo is highly unresponsive and what information/assistance we have been able to get has been limited. An individual was able to fraudulently deposit or cash in our check without matching ID or any real verification.

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: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have auto loan with Santander consumer, USA. I got in a hardship situation, I lost my father, lost my job. I kept in contact with Santander and let them know my situation and they understood. I called them and they called me as well. On XXXX XXXX 2016 I talked to XXXX in the president department of Santander. He told me that If I made payment {$1000.00} that the day and then 10 days later paid {$350.00} that I would be back on track and then just make my normal monthly payments. Later, I found that they had charge off my account and they will not be reporting my payments. I called them again and talked to XXXX and ask him for supervisor. XXXX said let me know try to help and if I do n't resolved the issue then I will give you to my supervisor. I told the situation and he went to talk to XXXX and came back and said their was nothing that they can do or change the charge off your credit report. The problem I have is it was not charge off when I was talking to XXXX but now it is they put XXXX XXXX on my credit report. I had made agreement with them and I stuck to my agreement and did what we agreed to. I do n't understand how they can charge off my account with me keeping my car. I need to know what my rights and what I can do about this situation. I have recently went through the reviews on this company and see that they do this to a lot of people and also not give them their titles when the vehicle is paid off. I have had problems with they trying to charge me last year repossession fee when they never repossed my vehicle. I want to filed a complaint on Santander Consumer, USA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: CT
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:
I have submitted theses accounts that are not mine to each of the credit bureaus. I have not been able to resolve this concern at this point. My information was used without my knowledge to open these accounts. I need this matter resolved as timely as possible.

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