BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-02
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My expartner took a loan out with Santander online utilizing my records and I was under the impression that it was not me until one day that we had separated and they called me to collect the car payment and I directed them to his phone and advised them they had the incorrect information. At which point they were extremely rude and started to offend me and call me a liar and and deadbeat over the phone and that I needed to take care of my responsibilities. I have not been able to get ahold of either one of them since the day him and the car went missing. I have spoken to both Santander and the dealership the car was purchased from and I fear that they had an inside person in the dealership to approve such a transaction. I've tried to call and explain this to them several other times and now they are being nasty calling at all hours of the night and speaking about my information to people I associate with. I have hired an attorney which advised I file a formal complaint with all three  credit bureaus because in accordance with the FDCPA they are violating my rights. I will be officially recording all conversation and documenting all calls moving forward as recommended by my attorney to file suit in this matter. Any assistance you can provide will be greatly appreciated. I have gained the support of both Of the other Bureaus to assist me in the matter if you can please reach out or would like to have my attorney contact please advise. We have submitted paperwork via certified mail for proof but calls and threats are becoming to frequent. Thank you again for your help in resolving this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX PS. That is my correct address not the other which they keep challenging and will not let you correct. If you can help with that as well I greatly appreciate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2023 I received a debt collection bill from Bull City Financial Solution by email and a negative reporting on all three credit reports. I did not receive anything in the mail regarding this alleged debt that Bull City Financial Solution claim that I owe. I am letting Bull City Financial Solution know there claim has been disputed and I have no contractual agreement with them. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe including a full accounting of allege account. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that XXXX does allow the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and XXXX authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, through the Consumer Financial Protection Bureau, as a formal debt validation request, which I am allowed under FDCPA because you will deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with the above requested proof. Upon receiving it, I will correspond back by through certified mail return receipt. I would like to cease and desist ALL communication with Bull City Financial Solution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX  XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXN XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXI XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-01-28
Company: Incomm Holdings Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Do NOT buy Vanilla Gift Cards- they are NOT SECURE, horrible customer service and there is absolutely no guarantee that you will be able to use any card purchased. Received a {$100.00} Vanilla Visa virtual gift card via email through secure company email in XX/XX/XXXX. Virtual card has expiration date of XXXX/XXXX. Tried to use the card for first time XX/XX/XXXX and transaction declined. Called card issuer XXXX  of XXXX, GA XX/XX/XXXX and filed complaint. Transactions shows 20 {$5.00} XXXX XXXX charges made at exactly same date/time in XXXX to wipe out balance. I did NOT authorize or make the charges. No one else had access to my card number or the email received. I completed complaint form PDF and submitted to issuer XXXX XX/XX/XXXX. Followed up XX/XX/XXXX as I haven't received confirmation of complaint. First call disconnected. Called back and started over. Told to call back after 3 days to check status ; could NOT confirm receipt of any complaint. Call back XX/XX/XXXX - again told to call back after 72 hours. Finally acknowledged that they received my original complaint. 
If I did NOT authorize or make the transactions or give card access to anyone, it's obvious that this issuer either has internal security compromises or has been hacked for others to fraudulent use cards. For an issuer of pre-paid VISA cards, this is a HUGE issue that shouldn't take months to actually resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: GA
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:
On or about XX/XX/XXXX, I inquired with XXXX by providing a letter, asking if they would remove derogatory information from my credit profile which is reported to the three credit agencies. The attached letter will provide the background information for my request to remove the derogatory information, but I will provide some brief context. 

I submitted a few request to the credit agencies disputing the accuracy of what was being reported to my credit report as I believe it was not accurate. 

I purchased a vehicle in XXXX, which XXXX financed. In XXXX, XXXX took repossession of the vehicle because I was unable to payment. I received notification the vehicle would be repossessed. The vehicle was sold for more than what it was worth ; thus, I received a check for the excess. XXXX did not follow Georgia 's O.C.G.A. 10-1-36 law as it relates to notification where the the creditor must notify you of the time and place your car has been sold. 

I reached out to XXXX in XX/XX/XXXX to ask if they would be willing to remove the derogatory information from my credit report and after speaking with a representative of the CEO of XXXX, the young lady stated that would not be possible. She said by law they are required to report to the credit agency which I indicated was not the case, but a choice. A choice that I signed allowing XXXX to conduct when I signed the vehicle purchase agreement. The young lady also stated that the derogatory information would fall off my report in XXXX of XXXX. 

I take full accountability for not paying my obligation ; however, had I known there was a possibility of me retrieving my vehicle back, then I would have taken that option rather than damage my credit for 7 years. 

My dispute is in accordance to Georgia 's O.C.G.A. XXXX law, the repossession process was not followed completely by XXXX ; especially since they were unable to provide the letter indicating the date/time/location of the sale to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Atlantic Recovery Solutions LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Atlantic Recovery Solutions has contacted me about having to collect a debt with the amount of {$1100.00} XXXX I think thats how much ) from XXXX. They said that I stopped using the XXXX account since XXXX - XXXX of 2020 and the purchaser never collected the debt. HOWEVER, I never arranged or bought anything on XXXX nor do I know how to do that. I havent accessed my account since I discovered not to long ago that it was an act of FRAUD. Whoever has purchase the funds to the debt has either hacked my account or has been impersonating me into the negotiations of the debt that I am getting ACCUSED FOR. Either or I have never authorized a purchase with any consumers of the XXXX industry. Please contact me furthermore about the standing investigation of this incident.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Google Compare Credit Cards Inc.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Between XXXX and XXXX of 2023 me and my daughter played mobile games. One of those games she made some unauthorized purchases in the toon of about XXXX on this game. I realized at the end of XXXX and filed a charge back with my bank. My bank which is XXXX started and investigation for these charges after I explained situation. During the investigation regions gave me my money back to which I used it to pay bills. About 3 weeks in XXXX  closed the investigation and took the money back as they said XXXX sent them information that those purchases were made with my XXXX XXXX account and they couldn't determine if I made them or not. With them taking the money back it has caused my account to go negative so iv had to start using my second back. I understood why and was content to just leave it be, but in XX/XX/2023 I received receipts from XXXX canceling those purchases and had my kid log into the game a verified that the items she purchased had also been refunded. So I then contact XXXX who tells me nothing they can do because I did a charge back I would need to contact my bank to which I did and they tell me they closed the investigation to which i know they did due to lack of evidence I didn't make charges and that XXXX hasn't sent them any money to refund and that the only way to get my money back would be contacting XXXX which I have and they refuse to return the money for purchases that have been canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
It's been known for some time that BBVA was going to acquire Simple, but the process has been anything but seamless. XX/XX/2021 marked the day of the transition and since then, I, along with many other ex-Simple customers, have been locked out of our accounts. The prompt is to call customer service, but after staying on hold and hearing a dial tone, the line gets immediately cut. Many other customers are experiencing the same thing. This has been going on for four days now and I have no access to my checking account, can't check my balance, and can't receive or send money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX  XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1500.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX  XX/XX/2022.

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 2023-06-15
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Please see attached letter which is the third unresponsive letter I have mailed to them in regards to an account on my Bureau with them titled XXXX XXXX  XXXX .... I do not and have never had an account with XXXX In accordance with the Fair Credit Reporting Act. 

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-10
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: Account information incorrect

Complaint:
I am writing to request the removal of an account from my credit report with Experian and XXXX. I have recently discovered that this account has been successfully removed from my credit report with XXXX XXXX XXXX, as evidenced by the attached documentation. 

Account Details : Creditor Name : XXXX XXXX Account Number : XXXX Collection Account Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Collection Account Date : XX/XX/XXXX It is imperative that Experian and XXXX update my credit report accordingly to reflect this accurate information. The presence of this account on my credit report is misleading and can negatively impact my creditworthiness.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Several business Wells Fargo XXXX XXXX accounts of mine were charged excessive overdraft & insufficient funds fees over the last few years! Leading to account closure.

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 2022-11-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
This has been a complaint which started many years ago, I feel Wells Fargo is negligent on handling their accounts and rely on misrepresentation and misleading statements not only from loan officers but also from those who work in the XXXX office handling complaints. 

First of all, I am no longer a customer of Wells Fargo. I paid off the pre-foreclosure I am a very thankful and happy person because of it. I have no more ties to this bank. I am so sorry for those who have lost their homes due to their misrepresentation, misleading, self absorbed XXXX 's, XXXX XXXX and who controlled by them, but some in the XXXX office enjoy it when they can inflict pain and suffering who has no control over them. 

Now let me begin. I paid off the loan. The payoff had a home mortgage of {$5000.00}. Wells Fargo requested my paid receipts I have home insurance on my home. I gave them all the information they needed that I had home insurance. Still when we closed on the account they still charged me {$5000.00} for home insurance. WHY am I paying them for home insurance when I was already paying for full coverage of home insurance by my private XXXX. If they come back and say I did not have insurance at the time they manipulated my account. Lied to me why my account is the way it is. They never never explained anything why my account is the way it was. I have never never dealt with a bank such as Wells Fargo. I think it is their intent to manipulate a loan, confuse people, even their own employees at the branch. 

I will never never understand the process of how Wells Fargo does business. 

I am making a very big request, that the Representatives and Senators will provide XXXX XXXX for the Victims of Wells Fargo or any bank loans during the time period of XXXX which turned into a foreclosure, that if these foreclosures were paid off prior to XX/XX/2023 that they will be placed in Good Standing and all late payments and derogatory remarks will be removed from one 's credit report. 

It saddens me not XXXX XXXX of these major banks were ever handed a criminal charge for wrongdoing. 

Manipulation, Gaslighting, Misrepresentation to have a customer sign a contract which was totally the opposite of what the loan XXXX said.

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 2017-12-16
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: Old information reappears or never goes away

Complaint:
My medical bills that went to collections with XXXX XXXX XXXX in XXXX/XXXX dropped off in XXXX and now TransUnion is reporting them again.

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 2023-07-04
Company: EQUIFAX, INC.
State: AE
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:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief