BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: AZ
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 sent multiple letters to the credit agencies informing them to remove the collection from my report since I does not belong to me. I called XXXX XXXX and they even confirmed they never had me in their systems. 

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 2023-08-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
A credit card was opened and issued to someone other than me using my information. I have contacted the company on several occasions, and they refuse to send the information that I'm requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
No communications from company for over a year. No reporting to credit bureaus of any kind. Then 2 days delivered a summons for court out of the blue. Terrible company. Feel like it is all predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: SANTANDER HOLDINGS USA, INC.
State: MN
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:
These accounts and inquiries are not mine they was made without my permission, consent, inquires Santander Consumer USA Reported : XX/XX/2022, Opened : XX/XX/XXXX, XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, 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:
Although I appreciate you spending the effort to FIX some of the data on my credit report, there are still several accounts that require UPDATING. These accounts must be verified by the three credit bureaus in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I wish these disputed accounts could be updated or repaired immediately : XXXX XXXX XXXX XXXX XXXX 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 2023-08-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
They received my certified mail letter On XX/XX/2023 I sent a certified mail # XXXX requesting for a notice for accounting to TOYOTA MOTOR CREDIT CORP., I requested an original authenticated request for accounting that includes all original contracts, withheld financial documents, refunded downpayment ( {$5000.00} ), tax forms, any and all types of financial forms of payment that's entitled to the consumer and or beneficiary. To which they denied communications and resulting in the company to forward to a process of default. I am now sending a letter following that onXXXX in detail of a notice of default & opportunity to cure. To which if the company continues to disregard the letters being sent, or fails to correct the financial matter effectively there will be no choice left to pursue all available remedies including litigation or arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX, I received a phone call from the Law Office of XXXX XXXX, I returned the phone call XX/XX/XXXX. After speaking with the lady on the phone XXXX, she explained that I owed {$2000.00} for my purchase of my XXXX XXXX XXXX. She said I defaulted on a check and If I don't pay it then she is putting in the " charge '' and she will be repossessing my car. The only lienholder on my contract, and on my registration is Chrsyler Capital. I did not agree to pay any extra {$2000.00} to these people. On my legal XXXX XXXX XXXX XXXX shows I fulfilled my full down payment of {$4500.00}. I am being harassed and threatened by the company. Per any contractual law. I am only legally obligated to pay my lienholder which is Chrysler Capital and have made no further agreements to any other lender, or promised to pay any other amount of money to. I am including a copy of my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Checks were mobile uploading cash and fees accessed to my former account.. unsure of the actual date but approximately 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 2023-08-18
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a bank account at Suntrust, now Truist Bank, which was closed and the funds frozen, where at the time the account was frozen it had a balance of at least {$79000.00}. Said account was closed by unilateral decision of the Bank on XX/XX/XXXX and I was notified by communication of that date indicating that the Fraud Department in a standard review determined that it was necessary to close the account, they do not indicate the cause, reason or circumstance for your decision to close the account. At the time of closing the account, the balance was {$79000.00}, an amount that after more than 23 months has not been delivered or returned. I have had several discussions with your Fraud and Customer Service Departments, in an attempt to access the funds, all of which were unsuccessful. With the little information that they have provided me, I can not find a legal basis that allows the Bank to freeze the funds improperly and indefinitely without even giving a formal explanation. I have consulted with an Attorney who has told me that withholding and not accessing funds may constitute civil theft, misappropriation, unjust enrichment and unfair trade practices, and violations of other state and federal laws. The Truist Bank has not given a response, they only sent me a letter that I received on XX/XX/XXXX, saying that they had not been able to contact me and they gave a phone number for me to call. Yesterday, XX/XX/XXXX, I called Truist Bank and they asked me to go to a Branch to personally identify myself and from there they would call the Claims Department. This isn't the first time I've been asked to do this. I have already gone to a Branch to identify myself, they call the Claims Department and they have not given an answer to the problem, that is, they do not return the money or tell me why they withhold it improperly.

I filed a previous complaint with CFPB and the complaint was closed only because Truist Bank said they had responded to me, which is not true. What I don't understand is why the CFPB closes this claim, when Truist Bank has not responded to the complaint presented here. Truist Bank is not telling the truth when notifying the CFPB that it has already responded to my claim.

Truist Bank has not given an answer, that is, it does not agree to return the money nor does it tell me why it has been improperly withheld so that I can take any legal action that allows me to recover my funds.

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 2023-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email this morning XX/XX/23, indicating a Bank of America checking account was opening in my name. I did not open this 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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELY XXXX XXXX {$380.00}

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 2023-08-18
Company: MAS FINANCIAL SERVICES, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My identity was apart of an XXXX BREACH ( XXXX ) a XXXX BREACH XXXX XXXX XXXX  AND A XXXX XXXX XXXX BREACH XXXX XXXX XXXX all of these breaches are verifiable. ALSO, XXXX XXXX STOLE my ID and wallet after I hired them for a catering gig in XXXX he used my debit/credit and Identity for multiple transactions that I didnt know about because I am XXXX AND LIVE IN XXXX. 
Any accounts were taken out fraudulent and they need to take my name off any reports. I tried calling XXXX financial multiple times and was met with hostility and was told there is nothing they could do about it. I filed a restraining order against XXXX XXXX and they can search it thru the XXXX  court records with his last name. I am a VICTIM OF IDENTITY THEFT. To XXXX XXXX, I DID FILE IDENTITY THEFT REPORTS FOR ANY/ALL ACCOUNTS OPENED FRAUDULENTLY IN MY NAME. I dont have a XXXX XXXX because I am a XXXX citizen and my visa expired in XXXX the debt is {$9900.00} please erase me off this fraudulent debt Attached is my REAL ADDRESS IN XXXX XXXX THE PAST 20 years. My XXXX PASSPORT WITH MY REAL PICTURE WITH MY XXXX LONG HAIR

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: SLM CORPORATION
State: UT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I took out this loan for $ XXXX from Sallie Mae in XX/XX/XXXX to pay for prerequisite classes for a graduate program, I was working full time and on the loan selected interest only repayment. 

In XX/XX/XXXX I began an intensive 28 month graduate program ( Physician assistant studies ) this includes 14 months of didactic learning and 14 months of clinical rotations. I requested deferment of this loan and waited the allotted period to hear back from SallieMae, communicating with them on multiple occasions. A representative at SallieMae told me to NOT PAY THE LOAN as they were considering deferment, then to my surprise after 2-3 months, I heard back from them that I was late on payments and the loan would be turned over to collections, all this time thinking I was being considered for deferment. 

I began trying to pay the necessary monthly payment at that time, however I currently do not have income as my graduate program requires us to not work, I am paying out of state tuition and receiving coverage of my living expenses via GRAD PLUS loans, which do not account for some necessary expenses such as car or health insurance. I have made multiple calls to SallieMae requesting alternative payment options, payment reduction, any options on deferment due to special circumstances, etc. My last conversation on Monday XX/XX/XXXX the agent at Sallie Mae explained I had no options to reduce payments or alternative payment plans, they suggested I find someone to help me pay the loan. I do not have friends or family available to help pay the loan or to cosign on a refinancing option for the loan. I am hoping to get help resolving this as I do not want the loan to go to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Damage caused or loss of personal items in vehicle during the actual repossession

Complaint:
I financed car XXXX XXXX XXXX from XXXX XXXX  and I had loan with ally bank Due to job lost I did not make few months payment. My car was reposed XX/XX/XXXX. XXXX XXXX  approved my loan with high interest rate monthly {$720.00} car payment plus gap insurance. 
I requested for my personal items but they never gave me a information where is my car now.

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 2023-08-23
Company: Chime Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
The date of XX/XX/XXXX I sent to XXXX {$750.00} via company called Sendwave.their agents had given me wrongs codes which must be given to the recipient, since the recipient could not receive the said sum, because the codes were incorrect after that they canceled the transaction.I waited and then started calling them without success after which I emailed the recipient and information but still do no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I hired a Company to take care of my debt they advised me to close my account with discover in order to qualify the. They started over charging me both for my debt and there services so I cancelled

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio recovery brought a debt out from capital one that I have not known about. When I contacted them they didnt have this in the system but they had one from a XXXX XXXX XXXX XXXX XXXXXXXX dollars from back in XXXX  I have knowledge of any of these debts and according to FCRA SEC623 enforce FACTA 312 if your unable to perform a reasonable investigation then the company is required by law and FCRA to remove the negative info. This has been on my credit report longer than 120 days and I need this removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In 2021 I bought a car from US Auto sales after being coerced into a car I didnt want and lied to that I could exchange it at my local branch, which I was unable to do because it went over the miles allowed. I asked specifically about gap insurance and if the car comes with it and I was verbally assured it did and that its with the paperwork. My boyfriend at the time was a witness to this verbal acknowledgment. A year later I was t-boned and the car was considered a total loss. Although upset because I would have to restart my car buying journey over I figured I was ok with payments because I had the gap insurance. When I called about it they told me I never had gap and I needed to pay the money owed on the car. Its now on my credit as a repossession.

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: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying to get my equifax credit freeze/lock removed from my account, I have contacted them numerous amounts of times and they still haven't removed it. It seems like they are refusing to remove the freeze/lock

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: VA
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 XXXX, account # 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 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 2023-11-18
Company: Experian Information Solutions Inc.
State: MD
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:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.

Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE FOLLOWING ACCOUNTS : XXXX XXXX XXXX, XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX Form XXXX was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. 
To my CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.

Company response to consumer: In progress