BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 had an account with XXXX Bank about 8 years ago. I used the card one time and paid the monthly balance. There was an outstanding finance charge of less than a dollar. I pleaded with XXXX XXXX to allow me to pay the small fee and waive the late fee but they insisted on corrupting my credit history from such a small petty charge. I paid the balance and shut the account down and never used it again. It has been beyond the 7 year period of reporting. This account should NOT be reported on my account and has negatively impacted me for all of these years. I alerted them to this issue that it should fall off and they have not taken any action. It is disturbing that XXXX Bank would break the law and continue to report this petty faulty information on my report. I have multiple car loans, mortgages and credit cards and this is inaccurate to my character.

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 2022-05-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Lack of Response from Portfolio Recovery Associates LLC On XX/XX/XXXX I sent certified correspondence asking the above company to Authenticate the several debts they say I owe them. In the letters I requested Portfolio Recovery Associates LLC to fill out Affidavit of Authenticity on each account they sent me which the amounts are {$630.00}, {$720.00} and {$720.00}. Instead of Portfolio Recovery Associates LLC doing so. The company sent me a letter saying they validated those debts without Authenticating. 
With identity theft at a all time high. Asking Portfolio Recovery Associates LLC to sign a Affidavit of Authenticity and have it Notarized should not be a problem if it were my debts. It is XX/XX/2022 and this company still have these debts on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Santander has violated the consumer protection laws. I am proof of this. 
As you may already know Santander are the prime example of a predatory lender. I have had my car loan with Santander for about three and a half years. I have paid this company {$15000.00} plus I paid a {$2000.00} down payment at the dealership, the car was listed at {$19000.00}. Through my own personal knowledge, I have paid more than 80 % towards interest instead of the principal. I still owe more than {$16000.00} on this car. I have all statements from Santander of my on time and late payments. I understand that interest rates will alway accur but not at this rate. I have missed payments, and I have tried to catch up on my payments, but with this loan there is no way to catch up or even pay it off. In XX/XX/2020, I attempted to catch up on my loan by paying {$1300.00} ( {$650.00} going towards interest ) and another on XX/XX/2020 {$510.00}. At this time on my online account my payoff quote was {$12000.00}, I can not find this in any past statements because they are no longer available in my account. 
I was then laid off for again, came back to work with with less hours. I spoke to someone about this in XXXX. In that process Santander proceeded to contact people who were not on my account at all and they called daily, not just once but continuously. I have never added anyone to my account as person to contact. In XXXX I paid a total of {$1000.00} with only {$310.00} going towards the principal, {$680.00} towards Interest, and {$3.00} for an online payment fee. After contacting Santander because in XXXX our hours were cut again, I am expected to pay {$5600.00}. That will be the entire amount of the purchasing price. 
In recent weeks I have received information about Santander 's lawsuits in regards to their subprime lending practices violating consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowling placed these consumers into auto loans that had a high probability of default. This is what has happened to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX Balance : {$4600.00} Date Opened : XX/XX/2018

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 2020-02-08
Company: Kriya Capital, LLC
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 a victim of identity theft due to an XXXX Credit Breech.CREDENCE RESOURCE MANAGE XXXX XXXX XXXX XXXX, MI XXXX, acting on behalf of XXXX XXXX, has continued to report this fraudulent account, contact me to harass me and send me threatening letters.Even after they have received on XX/XX/2020 identity theft documentation and notification that this account was a result of identity theft accordance with of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: Experian Information Solutions 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:
Experian has not due its due diligence in accordance to the FCRA, they are simply parroting information from their XXXX system. 
I have contacted the original creditor ( OC ) per Experian, the OC is XXXX/XXXX # XXXX.The OC has furnished a letter to me, in turn I have furnished the letter to Experian during the dispute process, the letter categorically states " XXXX has NO APPLICATION/CONTRACT ON FILE FOR THE ALLEDGED ACCOUNT ''. 
Therefor this alleged account DOES NOT ARISE FROM A CONSUMER CONTRACT PER THE FCRA. 
Experian has blatantly continued to violated 15 US 1681 of the FCRA and should sanctioned

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 2023-05-08
Company: OneMain Finance Corporation
State: AZ
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 currently have a vehicle loan with One Main Financial Account # XXXX. As of XX/XX/XXXX I was paid ahead on my car loan up until XXXX of XXXX. 

On XX/XX/XXXX I was in a car accident and the insurance company deemed the car a total loss as of XX/XX/XXXX. 

One main financial will not accept payment from the insurance company for now going on over five months. 

I was told by One Main Financial they failed to obtain the title of the vehicle upon origination of the loan. This was due to their clerical error of not ensuring all documentation was completed during originations, and they continued on-boarding the loan. They finally sent the documentation to me to have notarized in XXXX and submitted to obtain the title from the DMV as of XX/XX/XXXX. 

They're failure to correctly originate my loan has caused me a huge amount of harm. 

I have been advised I will still be charged the all the interest for this time being at the XXXX because it depends on when the insurance company submits the payment in which they refused to take due to their error. 

During this last five months I have occurred more expenses as well not just having to pay the payment to One main financial for a car that is totaled when they have refused payment but also for using a rental car and the use of ride share fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Had applied for a modification and loan assumption. Was put on a 3 month trial if modification was not granted by Wells Fargo. If modification was not granted the money was supposed to be refunded. It was not granted they sold the ho use and kept my money. They are saying that the modification was approved on XX/XX/15. But the trial payment didn't start until XX/XX/2015.

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 2023-10-26
Company: Chime Financial Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I woke up to my bank account being completely drained. There are XXXX dollars in my bank account. Someone hacked my chime account and sent themselves all my money. I dont know if it was a chime employee or if chime made a mistake and if the person who was in my room did it but all my money was gone on XX/XX/XXXX at around XXXX. I contacted chime and asked for a dispute for my XXXX dollars and XXXX XXXX they immediately denied it after saying their investigation would take almost 2 months. They did not offer me temporary credit. I called them again asking why it was denied and they could not provide me the reason. I kept assuring them that there was no way I SENT ALL MY MONEY IN ONE TRANSACTION to ONE PERSON. Those were all my savings for college I am a XXXX XXXX XXXX I now have no money. I called chime back later that day on XX/XX/XXXX asking for a rebuttal they said they would give me one but lied and never emailed me. The next day on XX/XX/XXXX I called XXXXXXXX XXXX and had to receive links for rebuttals over 5 times because they kept reuestion documentation. After the fifth time I was told I was eligible for temporary credit and they would open the case and do a rebuttal. They said this would take XXXX weeks for temporary credit and atleast a month for the investigation. THE VERY NEXT MORNING TODAY ON XX/XX/XXXX I WAS TOLD THAT MY CASE WAS DENIED AND I WAS TO RECEIVE NO FUNDS. How are they completing these month long investigations within hours. I have no money. I am XXXX XXXX I can not pay my tuition I can not buy food or books or even pay for my homework. Chime immediately denied all of my requests for disputed within minutes. They are carrying out fake investigations. I really need my money back please I would not be trying this hard if I didnt please. I am on my XXXX rebuttal and being utterly ignored. Chime is carrying out fake investigations done by AI and not people I have not heard from a real person about my money just automated EMAILS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the 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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 a victim of IDENTITY FRAUD due to my PERSONAL INFORMATION being compromised in the XXXX DATA BREACH. Please remove these accounts from my credit 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 XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 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 2018-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
I declared bankruptcy and it was discharged as a Chapter XXXX bankruptcy on XX/XX/XXXX. My Bank of America credit card account was part of that discharge yet they are still reporting to the credit reporting agencies that I am delinquent on that account, over 10 years later. On approx. XX/XX/XXXX, I contacted them by phone and the clerk agreed their records show the account was discharged in my bankruptcy and that she would submit a dispute to hopefully have it removed. I received their response to that dispute, dated XX/XX/XXXX, in the mail. It clearly states the account was discharged during my bankruptcy. And it also clearly states that they are correctly reporting my delinquency and will continue to do so. I called again and spoke to a supervisor, and then to her supervisor. Both stated they could see it was discharged in my bankruptcy and both stated they could only resubmit a dispute to the same department that already refused to fix the mistake. And that their response would probably remain the same. I informed them it is a violation of my rights to continue to report me as delinquent but they said their policy is that they can only resubmit a dispute and were not capable of actually fixing their mistake.

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 2023-01-24
Company: EQUIFAX, INC.
State: NC
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Kirschenbaum & Phillips P.C
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
The letter I received is dated XX/XX/XXXX. The debt amount is {$17000.00}. The entry date is XX/XX/XXXX. From the law office Kirschenbaum & Phillips to contact my employer if I do not voluntarily submit weekly payments to this law office via XXXX XXXX Sheriff Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: NC
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2018-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Am attempting to close at least 360 checking account # XXXX and debit card # XXXX, do not have card as I believe it was stolen along with my credit card # XXXX yesterday, Tuesday, XX/XX/2018, which is being investigated. Looking at my cleared checks there was one # XXXX, a contribution to the Senator XXXX XXXX campaign, which appeared across my screen on my XXXX and then was gone. I attempted to investigate with Capital One, to NO avail. Went further and reached to the recipient of this check, had a conversation with someone in his DC office. Was told their mail was being held, ( probably XXXX or some other type of threat ) therefore a good possibility why my check has not cleared Capital One, even though it did for a flash. Now, I can not close my account as I wanted and will not be able to call this bank HISTORY as the other financial institutions I enumerated with your XXXX # XXXX in our phone conversation, which I initiated, today, Wednesday, XX/XX/2018 and provided information for 23 mins. What the S- is going on!! As I mentioned to your XXXX, I have complaints, letters, etc., with regard to this bank. Told him to let me know if they are required for this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, 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: 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 explanation
Consumer complaint received 2022-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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 customer service

Complaint:
Refer to our prior complaints XXXX, XXXX, XXXX. 
We have unresolved issues relating to the situation described ad nauseam in those complaints ( and in repeated emails to XXXX XXXX  XXXX CEO and other senior BOA executives ). 
We've made many unsuccessful attempts today ( XXXX ) and on several previous occasions to communicate with XXXX XXXX of XXXX Regulatory Complaints Dept. at the number/extension provided in her correspondence - XXXX x XXXX. The toll-free number connects to a recorded voice which asks for a six-digit extension ; when an extension is dialed, nothing happens - the recording continues to ask for an extension. This has been the case consistently over the past week or more. The recording provides no live agent option or other option ; the call eventually disconnects. XXXX XXXX was unable to provide us with an email or postal address. 
Other BOA so-called " customer service '' lines ( what a misnomer!! ) lines are no help - BOA management has thoroughly siloed each individual so that each individual lacks even the basic ability to transfer a call or relay a message to another. 
It is our considered opinion that BOA " customer service '' as a whole is to a very large extent a consciously constructed, elaborate sham which senior corporate management has deliberately designed to incorporate blind alleys and other devices for the purpose of encouraging customers with issues to simply give up and go away.

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