BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-18
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Santander consumer finance is adding fees and not applying payments that I have made to my account. The vehicle was paid off and they are not applying money to account. They have tried to repossess my car even though they have proof it was paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
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:
To XXXX XXXX Department, According to The XXXX XXXX it requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. 
However, i was never explained to that my information would be shared with the Credit bureaus or Credit Reporting Agencies which is a violation of my rights. I demand to be opted out from any of my information accounts history, personal information etc from reporting to them. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
You have violated United States Code Law 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information You are required by federal law to verify, through the physical verification of the original signed consumer Promissory Note, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent 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 non-monetary relief
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: FL
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:
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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:
I have unauthorized and unverified inquires on my XXXX credit file. They are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and Citizens One Auto Fi XX/XX/XXXX. Each application was for pre-approval soft pulls and I didn't authorize hard pulls. I contacted each institution to ask why they pulled my credit, they responded that the applications were no longer in there system because it was more than 30 days from applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm Disputing all of theses inquiries. I haven't completed a security 's collateral application with these corporations.

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 2023-08-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Court : XXXX XXXX XXXX XXXX XXXX Case # : XXXX Plaintiff : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX VA XXXX Defendant : XXXX, XXXX Filing Date : XX/XX/XXXX Amount : XXXX Judgement : PLAINTIFF Judgement Date : XX/XX/XXXX Court : XXXX XXXX XXXX XXXX XXXX XXXX Case # : XXXX Plaintiff : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX  XXXX VA XXXX Defendant : XXXX, XXXX Filing Date : XX/XX/XXXX Amount : XXXX Judgement : PLAINTIFF Judgement Date : XX/XX/XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Case # : XXXX Plaintiff : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Address : XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX VA XXXX Defendant : XXXX, XXXX Filing Date : XX/XX/XXXX Amount : XXXX Judgement : PLAINTIFF Judgement Date : XX/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 2023-04-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account # XXXX 15 U.S. Code 1681e ( b ) - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Experian fail to assure maximum possible accuracy on my credit report. This account is reporting as a paid charge off which is inaccurate. In the United States, federal regulations require creditors to charge off installment loans after 120 days of delinquency. It's impossible for this account to be reporting as a charge off in the month of XXXX and XXXX, when I was on time previously months before. For this account to be charge off it should be reporting - XXXX, and XXXX and its not. There's no late payment or past due on this account. I attached the paid in full letter, payment history, and my Experian credit report in this complaint 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 non-monetary relief
Consumer complaint received 2021-07-27
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
It seems like I'm being given the run around when trying to get my money back after being a victim of identity theft. The bank has not credited my full balance and they have closed the case. I called Friday and was told that a new claim had been started for the misunderstanding. When I checked today no claim had been started. I will like to take further legal steps of necessary.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a mortgage with Wells Fargo that was foreclosed on in XXXX of 2018. We tried to work with XXXX to modify our mortgage to avoid foreclosure, but they wouldn't respond to give us any options. The home was foreclosed on and bought by Wells Fargo from our understanding. I need to know how to be part of their current payout for issues on home loans.

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 2022-04-12
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: Account status incorrect

Complaint:
Too whom it may concern Im submitting this complaint on my own theres no third party involved. XXXX  XXXX XXXX XXXX Is in violation of the Truth and Lending Act 15 U.S.C. 1666 Correction of Billing Error. They have reported my account 90 days late which is in error. I filed a hardship with XXXX XXXX XXXX XXXX. I submitted a hardship to put a pause on my GA student finance loans back in XXXX through XXXX XXXXXXXX XXXX XXXX. In XXXX I called XXXX XXXXXXXX XXXX since I didnt hear from them. Someone from their department while on the phone with me advised that I forward my case ID to her and that I was all set ( see attachment ). On XX/XX/2022 I called and spoke with XXXX concerning my account. She said my account was never worked on and she will be working on it. She stated she would send an email that day and never sent it. The lack of organization, professionalism and effort on XXXX  XXXX XXXX XXXX part has caused my credit score to drop because they didnt do their job. This is really hurting my reputation and effecting my ability to buy a house.

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 2023-03-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Same scenario as my last complaint. All evidence attached. 

I used my reward points to redeem a flight. The full amount was charged to my credit card without the corresponding credit related to the points. My card was charged for the entire amount {$780.00} USD, no statement credit was issued. 

I contacted the customer service via the phone where they said there was a glitch in the system and the back office team would make the fix. ( CASE ID XXXX ). 

I contacted them again for a follow up and the agent could not locate the case and advise I called again at another time where the rewards team would be able to assist ( the work on limited hours only ). 

I have used this benefit twice only and both times the same " glitch '' in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It's truly unreasonable that I've always made payments on time for this account and have never been tardy. Please ensure my account accurately reflects this.

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 2019-10-18
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019 I contacted my bank Wells Fargo and informed them that my phone was stolen from my car and that I have purchased a new phone and changed my username and password to protect my account and that I received an email stating that someone was trying to access the card free atm but was unsuccessful. I informed them that other than that I had no suspicious activity and no unauthorized transactions and was advised to change username and password to prevent any future attempts and Also to call them back if I notice anything unauthorized. Two days later on XX/XX/XXXX Wells Fargo disabled my online account. When I called in to get my account enabled they informed me that my account was under review and that they had no further information. 4 days later they made a business decision to end my relationship with the bank. With out any reason. I did as I was supposed and informed all my financial institutions of my stolen device. And that although my device was stolen I had no unauthorized activity on any of my accounts. But Wells Fargo decided to punish me for my phone getting stolen and then closing my account saying I could never be a customer ever 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 2023-05-05
Company: Consumer Portfolio Services, Inc.
State: IA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the divorce it states that my ex husband is to have the account solely in his name also the past due amount is wrong and I have sent them paperwork to prove that there should be nothing left to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
ITS FRAUD. I tried to contact the Credit Bureau but they didnt fix it. My name, address are incorrect, its a violation of he FCRA. Its unsafe to have wrong information about me like this. 
The report has a lot of variations that doesnt exists. 

My name is XXXX XXXX XXXX XXXX Address is XXXX XXXX XXXX XXXX, XXXX, XXXX. 
Phone number XXXX. 

I am sending proofs. 

Its unsafe for me and its a violation.

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 2023-03-06
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
Back in XXXX ally bank offered a 1 percent cash promo if u deposited new founds and left them in the bank until XX/XX/2023. The bank did not say previous withdrawals would effect the cash promo as long as u deposited by XX/XX/XXXX and left funds in Ally till XX/XX/2023. Im opened a cd for XXXX XX/XX/2023 and left the money in the bank way past XX/XX/2023 therefore meeting the requirements. This should have entitled me to XXXX cash promo However since i moved money from ally before I opened the cd Im not not elegible. I should have been told that before i opened the XXXX k cd but I was told different as long as I deposited from another bank I would be eligible for the bonus. Ally bank is running a complete scam regarding this cash promo Thanku

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 monetary relief
Consumer complaint received 2020-03-27
Company: HYUNDAI CAPITAL AMERICA
State: AL
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 paid of my XXXX XXXX XXXX from XXXX XXXX XXXX Al. On XX/XX/XXXX and they said that i didnt pay off my car and that i owed them XXXX. My payoff quote was XXXX i paid that in full. I need them to explain to me why they are over charging me. I have tried to call the automated customer service number no answer i also personally called the riverchase kia a receptionist picked up the first time and transferred me, i didnt get a answer so i called right back and the receptionist didn't even pick up the next three times i called. I need answer ASAP!!!! I paid the XXXX because i need my title but that is XXXX especially since my payoff quote was XXXX and i paid them in full.

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 2022-04-12
Company: EQUIFAX, INC.
State: SC
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My I.D . was stolen and all of my credit cards they stole from and my bank account they stole from refunded my money EXCEPT U.S.A.A. They not only won't refund my money but they have added another {$3000.00} in their fees. They also will not remove their negative report about me from all three credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX, XXXX - My whole purse was stolen from my car in front of my daughters XXXX  parking lot. XXXX started calling all my cards to stop fraudulent transactions from processing. 

XX/XX/XXXX, XXXX - Spoke with Money Network ( Economic Impact Payment ) to report card was stolen thru an automated system. 

XX/XX/XXXX, XXXX Cops were called to the scene and they have criminals on cameras from the school and ID on police report. 

XXXX Money Network sent me a replacement card but when they sent the card we realized the card had been used during the time of when my car was broken into for a total amount of {$2400.00}. At the time Money Network said they would send me a dispute form to fill out and send over with my supporting documents. Never received the form. Just the letter notifying us we were denied because we did not respond in a timely manner. 

XX/XX/XXXX - Received letter from Money Network saying we were denied due to the timing and card-present indicators of other recent transactions. 

Please keep in mind we have not used this card since we had received the money in XX/XX/XXXX till XX/XX/XXXX for a one time purchase. 

XX/XX/XXXX - called Money Network to find out what to do because we never received their form. So, they sent us the dispute form to fill out but to place APPEAL next to the date. 

XX/XX/XXXX - Received the Dispute form and sent in all supporting documents attached via email, us postal mail and by fax. They never received the emails neither the mail and only the fax which was now XX/XX/XXXX. 

Since I wasn't getting any sort of response from the appeal process I was told I should open a new case which was done XX/XX/XXXX - Disputed fraudulent charges that were not charged by myself or my wife. 

XX/XX/XXXX - Money Network has not contacted me in any manner to notify me if the appeal has been processed or investigating or denied. Or what the status is of the new case. I had to battle for XXXX hours to get someone on the phone to tell me my dispute was once again denied. 

Can someone please help me???? Help me in getting some answers I have all my supporting documentation so these criminals don't get away with my hard earned American money.

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 2022-04-12
Company: EQUIFAX, INC.
State: AL
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:
In this complaint there are accounts listed on my credit file that are NOT mine. Those that are mine have late payments and not once have they been late. Unauthorized hard inquiries I did not sign or give permission to pull my credit. All I require to be removed. No one including the credit reporting agencies were giving my permission or signed consent to list any of it on my credit. 

Permanently remove : 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 Unauthorized inquiries to remove 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 explanation
Consumer complaint received 2023-08-07
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I received alerts notifying me that there has been a data breach with a government entity that has my PI stored in their systems. I was urged to take action by reviewing all of my information to make sure there are no changes or anything unrecognizable on my accounts. I was also urged to change my information. This has happened twice already and when I reported the issue the first time after noticing some changes on my credit report, the issue had not been fixed. I tried placing a lock on my credit report but I discontinued with the payments which they then discontinued the service.

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