BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-14
Company: Santander Consumer USA Holdings Inc.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
My issue is with Chrysler Capital. 

A little over a year go I needed to purchase a vehicle so that way I could work. At the XXXX XXXX XXXX there was a really nice 2018 XXXX limited edition truck that I was interested in getting so my boyfriend at the time talked to them about it and I filled out the credit application and they called back and told him that we would be able to do it and that the interest rate would be 7 %. So we headed down there to talk about it some more, they seemed very rushed to get me to sign the papers, honestly they were really pushy about the whole thing. So I signed the papers and we left, because they were rushing it and being so pushy about me buy this truck I didnt go over the paperwork in the Dealership, and this was my first time buying a vehicle so I didnt really know what I was doing and they took advantage of that. I was looking over the paperwork when I got home and noticed the interest rate wasnt 7 % like they had told me it was but it was instead 16.28 % and its financed through Chrysler Capital. After I found out how much the interest was we called the dealership and told them we wanted to bring the truck back because I didnt agree to that but they wouldnt take it back. {$41000.00} was they amount financed through them and after i will end up paying {$65000.00} for this vehicle. I have tried to talk to Chrysler Capital about this and they just told me I had to take it up with the dealership. My payments are {$870.00} a month and I can not afford that. I really struggle with making that payment and I have told them that and when I end up being late they call me sometimes 8 times a day and when I do answer and try to tell them whats going on sometimes they have been pretty rude to me about it. It honestly feels like harassment. I lost my job and it took me a couple months to find another one that paid decent then I got kicked out of my house and I had to find a new one so now I have rent and bills and have to buy food and I really struggle with this, its either pay the payment or be homeless and starve and if I pay the payment then I dont have enough money for food or my house and I will be homeless and starve. I have told them this and they wont do anything to help me. If I lose this vehicle then I wont be able to make it to work, its just be all on my own and I think that they have really pretty much screwed me over. I think that the reason they made the interest rate so high is because they were the only ones that agreed to finance my vehicle and they knew that so they knew I didnt have any other option. They did give me one extension for the two months I didnt have a good paying job but that didnt give me any time to be able to catch back up. The stress this has put me under hasnt been good for my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
last month when i applied for a mortgage at XXXX XXXX XXXX i was made aware that i owe XXXX  XXXX XXXX 2 credit cards that i didnt open. they indicated that i was a victim of identity theft and that i should file a complaint.

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 2023-07-17
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been going back and forth with XX/XX/XXXXXXXX XX/XX/XXXX in regards to a vehicle that has been XX/XX/XXXX out and a title never arrived. This company is still reporting a negative $ XXXX balance on my report after telling me that my balance is {$0.00} and the title is in the mail.

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 2023-05-18
Company: Security Credit Services, LLC
State: SC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX | XX/XX/2023 : Account number : N/A, Inaccurate. Delete or fix the information on the account detail section. 

XXXX XXXX XXXXXX/XX/2023 : Account number : N/A, Inaccurate. Delete or fix the information on the account detail section. 

XXXX XXXX XXXXXX/XX/2023 : Account number : N/A, Inaccurate. Delete or fix the information on the account detail section. 

XXXX XXXX XXXX XXXXXX/XX/2023 : Account number : N/A, Inaccurate. Delete or fix the information on the account detail section. 

XXXX XXXX XXXX XXXXXX/XX/2023 : Account number : N/A, Inaccurate. Delete or fix the information on the account detail section. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

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 2023-08-16
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased a car from US Auto sales in XXXX Ga in XX/XX/XXXX. Was making my payment until XX/XX/XXXX I went on the link to pay online and the link did not work. I went to the website and it did not work. I could not get in touch with them so I checked my email to see if I had missed anything. The only correspondence on the matter was them denying the closure of the dealership stating that it was only temporary. That email was sent in XXXX but either I missed it or it was in junk mail. I started getting calls from Westlake Portfolio management requesting payments on the vehicle. I had no idea who they were as I did not buy my car from them and had no agreements with them. I asked for them to send me something official like a new contract. They would only send a bill and said there was no new contract. I felt there has to be a new agreement for me to sign if I am to now pay them. I logged into a link they sent me for the account. The balance was wrong, there was no past payment history and they are adding daily interest onto the loan which already includes interest and a service agreement they say they can't honor nor will they take off that amount. They are not lien holders on my vehicle says the dmv. They have repossessed my vehicle and sent me a letter saying that I broke the agreement and they are selling the car. If they don't make enough to cover the amount owed, they say I will still owe the remainder. I feel the whole situation is wrong. I never entered into an agreement with Westlake. The terms of my US Auto contract was not the same as Westlake. The starting balance on my vehicle according to my credit report was {$19000.00}. I paid {$200.00} every two weeks from XXXX XXXXand they said my balance is still over $ XXXX does not add up. My complaint is with US Auto Sales and Westlake Portfolio Management. After they picked up my car they gave my husband and I both wrong phone numbers to the tow company so we could get our personal belongings out of the car. I had to call the police department and they gave me the number to the tow company and I am now able to pick up my things.

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$720.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/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 2021-11-08
Company: AES/PHEAA
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: Account information incorrect

Complaint:
FEDLOAN SERVICING at XXXX XXXX XXXX XXXX, PA XXXX has been reporting inaccurate data on my credit report and is causing a negative effect on my credit report. The opening date of this account is not accurate amongst all three reporting bureaus. XXXX shows an open date of XX/XX/2012 XXXX shows an open date of XX/XX/2012. 
It is unlawful to report inaccurate data on ones credit report and i would like for this account to be taken off of my credit report immediately and to never be reported on my credit report again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for 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 non-monetary relief
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have previously disputed ( XXXX  XXXX Bankruptcy XXXX ) With you. And i NEVER received a response, you previously verified the item as accurate, stating that you have verified this information with the court and XXXX XXXX. I contacted the court, and XXXX XXXX their response is enclosed. It is clear they do not report to you or any credit bureau for that matter therefore, your initial response verifying the item with the court was either an error or a lie. Either way the reporting requirements do not comply with FCRA {$610.00} ( 15 U. S $ 1681I ). Also, I was told that this information was giving to you by XXXX XXXX please see attached document from XXXX XXXX stating that this information in unverifiable. And the information must be deleted immediately.

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 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 non-monetary relief
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked transunion to freeze my account due to a lot of fraudulent items I kept finding on my report, they still allowed things to come through leaving me open to fraudulent activities on my credit.

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 2023-08-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried many times to open an account in Wells Fargo Bank and every time they are unable to open the account

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 2023-08-16
Company: Block, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was involved in a romance scam back in 2019 and met scammer via XXXX. Lost over XXXX using XXXX and cash app. I sent proof and supporting documents to XXXX and cash app through states attorney general and XXXX gave me my money back but cash app kept on giving me the run around and kept on telling me my bank was the one to talk to not them. Cash app refuses to give anyone back their money even if they send proof and will never refund anyone their money back which is a lying option they give you. They already push the money through by the time they get back to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute XXXX  and/or XXXX  items listed on XXXX XXXX report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached XXXX  and XXXX  for referenced issues from above.

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 2023-08-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Always posting payments even if there werent funds to cover so they could charge me 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 2023-08-16
Company: Solar Mosaic LLC
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:
To Whom it May Concern : I am writing to you with grave concern over a situation involving a solar company, Mosaic, and their unjust and predatory lending practices. I am seeking your immediate assistance to address this matter, as it has caused severe financial and emotional hardship for me. 

In XXXX, I initially contacted Mosaic, a solar company, to explore the possibility of installing solar panels on my home in XXXX XXXX, CA. Subsequently, I submitted some preliminary paperwork. However, the situation took a drastic turn in XX/XX/XXXX when I was informed by an engineer that my home had defects that could result in it being red-tagged. Under this circumstance, I was advised to halt any home improvement projects, including the solar installation. 

Understanding the gravity of the situation, I promptly contacted the solar contractor to inform them of the developments. It is important to note that no permits were pulled, and no solar panels were installed. Despite this, I have shockingly found myself burdened with collections from Mosaic for a service or product that I never received or accepted. 

What compounds the issue is that I live in a homeowners association ( HOA ) community, where any project would require explicit approval and sign-off. In this case, I did not proceed with the project or accept any loan associated with it. To my astonishment, Mosaic is reporting inaccurate and unjust information about a loan I never agreed to or signed for. This is a direct violation of my consumer rights and completely unjustifiable. 

California laws are stringent when it comes to safeguarding consumers against predatory lending practices. In my case, not only has this false reporting damaged my credit, but it has also hindered my ability to secure financial assistance for other vital needs. I have invested months in disputing this erroneous information with all three credit bureaus, yet I have seen no progress in removing it. 

I implore the Consumer Financial Protection Bureau ( CFPB ) to intervene on my behalf and address this issue with Mosaic. Their actions not only defy ethical business practices but also infringe upon my rights as a consumer. I have been unjustly victimized by this situation, and the financial implications have been devastating. 

Your urgent assistance is crucial to rectify this matter and bring Mosaic 's unfair and predatory practices to light. I am counting on the CFPB to uphold the rights and protections of consumers like me and ensure that justice is served. 

Thank you for your immediate attention to this matter. I eagerly await your response and guidance on how we can proceed to rectify this unjust situation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation