BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-10
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I reached out to this financial institution on numerous occasions, via phone call in XX/XX/XXXX and also by via USPS Certified Mail letters. I informed this company that they have in fact violated the FDCPA ( Fair Debt Collection Practice Act ) 15 USC 1692a ( 3 ) pertaining to the alleged loan they claim I owe on my vehicle. I received no response from this company. 

On XX/XX/XXXX I forwarded a certified document to this company- a letter of violation, demand and written instructions along with an affidavit of truth to validate the federal law they have violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Gap Inc. switched their bank for their store card from XXXX to Barclays in XXXX, XXXX, I was not aware of. I already had an automatic payments set up with XXXX XXXX, and I never had issues with payments with Gap card since XXXX. Recently, I had trouble using my Banana Republic card that I haven't used in a while, which the store clerk said is now obsolete, and I was directed to call Barclays and I did. This is when I found out that I have an outstanding balance ( {$430.00} ) from my purchase from a year ago and now I have a delinquent account which would have negatively affected my credit score. I am completely willing to pay however much I owe from my purchase, however the balance amount is completely off. The reason is not only because of the late fees that snowballed in the past year, and but more importantly the credit amount ( {$220.00} ) that I was supposed to get back from returning most of the goods from the purchase ( {$280.00} ) was not reflected in their statement balance. I tried to talk an account specialist on XX/XX/XXXX and the information I got from her regarding my account history was not only inaccurate, but the manner in which the person was communicating to me was condescending and uncooperative.

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 2023-09-06
Company: Experian Information Solutions Inc.
State: LA
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 find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them 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 explanation
Consumer complaint received 2023-07-28
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has obtained my personal information from a company without consent of the consumer in order to sell personal private information. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I OPEN AN ACCOUNT WITH REGIONS BANK ON XX/XX/2020 WITH XXXX CASH ON THE NEXT DAY THE CLOSED THE ACCOUNT AND WILL NOT GIVE MY CASH BACK. 
THEY CLOSED THE ACCOUNT I'M PRETTY SURE BECAUSE XXXX XXXX NO OTHER REASON HOWEVER I DON'T CARE I WANT MY MONEY BACK

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 2021-11-09
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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I 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 AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: IL
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:
I received my credit my credit report on XXXX XXXX XXXX, and NOTICED there were hard inquiries that don't have PERMISSIBLE PURPOSE to be on there. these hard inquiries are hurting me from getting approved. i already reached out to the credit bureaus about this multiple times they keep violating my Common law rights under [ title 18 u.s.c. 241 and 242 ] and my Consumer law rights under [ title 15 u.s.c. 1681 [ b ] and more., I also have attached the hard inquiries that don't have NO PURPOSE to be on my credit or report., furthermore [ title 31 u.s.c. subsection 3124 ]. and [ U.C.C. 1-308, U.C.C. 5-103 { d }. ] I AM the GRANTOR/CREDITOR/BENEFICIARY { XXXX XXXX XXXX, XXXX 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 2022-04-05
Company: LEXISNEXIS
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Bankruptcies were reported to the three credit major credit bureaus without my written or verbal consent to do so and put on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Customer service would not help take care of the negative inquiries reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Wells Fargo let individuals come into their branch, commit fraud and violet The Patriot Act. They did not investigate and treat the victims as the criminals. My family was threatened, job and marriage if I went to the police. I submitted documentation to the FBI, Local Police and Secret Service surrounding these wire transfers. 383 pages of documents went to all banks and police. The individuals also said if I went to the police they would say the money was for XXXX   plots or to XXXX my wife. Last XX/XX/2018, I notified Wells Fargo of wrongdoings in their checking accounts and asked them to investigate. Basically, use the information that they used to open the accounts such as social security, DMV, etc. and gave them names of law enforcement to reach if needed. Several letters later, Wells Fargo would rather protect the rights of criminals and violate the patriot act then investigate. They stole my identity thru DMV records and social security. There have been little discussions with Wells Fargo executive and fraud group because they will not do anything even though I am a customer. We will end up in court due to their hindrance of an investigation and violating The Patriot Act!

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 2023-09-08
Company: Westlake Services, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/2023 I was In a car accident that resulted in a total loss. I had a title loan from Wilshire consumer credit which reports on my credit as an auto loan which is not correct. I owned this vehicle before getting a loan with Wilshire consumer credit yet they have been reporting this as an auto loan. I spoke to a representative on XX/XX/2023 to let them know I was in the hospital and was in a XXXX XXXX with me and XXXX XXXX children age XXXX and XXXX. And asked if I can have an arrangement set up to pay off remaining balance in XXXX. They refused to accommodate me in any type of way and reported that I was late on this payment in XXXX. This is drastically hurting my credit report and I would like this corrected. I asked if I could push a payment to the end of the loan I was told no even though my contracted stated I could. I asked on XX/XX/2023 if they could removed this late payment from XXXX after I paid the full balance off the title loan In XXXX and they also told me no. However in my portal on their website they are reporting that I paid the vehicle off on XX/XX/2023 and I will attach proof how can I paid this car completely off on this date when my accident was on this date XX/XX/2023 this agency is reporting things fraudulently and inaccurately and has been reporting as an auto loan to my credit when I owned my vehicle outright before getting this loan. They are reporting this fraudulently as this is a title loan not an auto loan for purchase. title loans do not report to consumer reporting agencies and they have been reporting as such. I would like this late payment from XX/XX/2023 removed from my credit report as this is inaccurate information. I would also like this fraudulent auto loan removed from my Consumer report all together as this was a title loan and not an auto loan. As for law 15 u.s.c 1681 this is defamation to my character and Credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Source Receivables Management LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi, my name XXXX XXXX I recently submitted a complaint to XXXX about source receivables management which the collection doesn't belong to me and it is not mine. I have reached out to all 3 bureaus however, XXXX neglects to respond and leaves this debt collection that is invalid and I have had no business with this account on my 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 2018-10-10
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/2017, XXXX XXXX reported a negative trade line on my credit report without sending any verification in regards to the CCLR report standard form 750 claims collection litigation report Sec.904.2 of the federal claims collection standard 31.CFR900-904 is a requirement relating to particulars in the amount of 32,576. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they must have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York general business law sec 349-Deceptive act, sec 380S-Identity theft and title 15U.S.C.Sec.1632-form of disclosure ( 2 ) creditor to provide contracts to the bureau. As defined under the title 18 U.S.C.Sec 1030-Access devise the reporting agency did not follows the laws under title 15 U.S.C.1681 S-2 ( a ) - duty of furnishers of information to provide the accurate information.

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 2023-09-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Experian Information Solutions Inc.
State: FL
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 never was late on payment to XXXX. XXXX  was responsible for unmaintained hot water heater incased in wall that burst causing mold to ruin numerous items of mine including furniture, new shoes & clothing. XXXX   submitted false claim to bureaus in retaliation for complaint filed & fine by the city. I paid everything on time and never owed. XXXX  upset I didnt sign waiver that I wouldnt mention the mold in wall to others. Corporate refused to return in calls, voicemails, or emails left through there system to rectify issue. This false claim was filed after I moved out at end of the lease without ever making me aware and even after I visited XXXX  office twice after move out. This is clearly retaliation by XXXX  b/c they wanted to conceal mold in the walls causing damage to my items as a result of negligence their negligence and they owe me for over {$3000.00} in damages. The mold inspection confirmed mold and they immediately moved a new tenant in without concern for anyones health. The XXXX XXXX XXXX of {$360.00} should be removed. I'm not able to resubmit dispute to Experian & unable to reach rep at XXXX & XXXX. I was unable to submit w/XXXX rep & need resubmitted w/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 2018-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/2017, XXXX XXXX reported a negative trade line on my credit report without sending any verification in regards to the CCLR report standard form 750 claims collection litigation report Sec.904.2 of the federal claims collection standard 31.CFR900-904 is a requirement relating to particulars in the amount of 32,576. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they must have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York general business law sec 349-Deceptive act, sec 380S-Identity theft and title 15U.S.C.Sec.1632-form of disclosure ( 2 ) creditor to provide contracts to the bureau. As defined under the title 18 U.S.C.Sec 1030-Access devise the reporting agency did not follows the laws under title 15 U.S.C.1681 S-2 ( a ) - duty of furnishers of information to provide the accurate information.

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 2023-09-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20
Company: Experian Information Solutions Inc.
State: GA
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:
I obtained a copy of my credit report on XX/XX/2023 after I requested an investigation into a serious matter with the items being reported. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX . These items where never verified nor have I ever entered into any contracts with these corporations. According to 15 USC 1681 ( a ) ( 4 ) My right to privacy has been violated and now I am seeking further action against these corporations. XXXX has taken action by removing XXXX XXXX XXXX XXXX which indicates that there is no legit reason for the account to still be reported with the other agencies. However the other account XXXX XXXX XXXX needs to be removed as well.

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 2023-09-08
Company: Block, Inc.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX - XXXX cash app has several connection issues that are preventing users from receiving money sending money or using their cash app cards to pay for things like food housing and any other thing that requires a XXXX card logo. Complaints have been made to the XXXX XXXX XXXX no one from cash app has been able to respond everyone has been calling there's no support and we have no updates about our money and there's no number to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Someone went inside a chase bank on XX/XX/22 and gave my fake ID and wired {$46000.00} from on my savings account. I have filed a claim with Chase but I never receive any updates from them. Its been over month and a half but no update. I spoke to chase this evening and she said this is handled by some wire back office which she had no access to. She read a note on my account saying the claim will be denied. I feel very helpless. Im a mother of two kids with my younger being XXXX XXXX. Please help me get my money back.

Company response to consumer: Closed with monetary relief