BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-24
Company: Santander Consumer USA Holdings 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: Account information incorrect

Complaint:
On XX/XX/XXXX I took out a car loan with Santander USA for a XXXX XXXX XXXX when I had a previous job, however by XX/XX/XXXX I reached out to Santander to tell them at the time I lost my job and needed assistance. Santander arranged deferral which kept extending the dates on my loan which they claimed was a good practice on top of which I found later they were still billing me late charges to the loan which kept being accumulated from the date of the initial late as such Santander end up charging me over {$5000.00} in extra fees not agreed to in my initial loan agreement. 
This predatory behavior continued culminating at its peak at XX/XX/XXXX, when while I was in talks with Santander they repo my car illegally, while I had made a payment through their system of the balance owed. It took me 3 weeks to get my car back and on top of that they tacked on over {$1500.00} in additional fees. Santander through the life of my loan continued to act unethically, going against out initial agreements and adding 30 day lates to my credit even though I would call them and they would have agreements with me on file. 
On XX/XX/XXXX after getting notification from the Florida attorney general and calling their office, I was navigated to the website : https : //santandermultistateagsettlement.com/Home where I have come to now realized how Santander has taken advantage of me and so many others across the country and I need my situation to be resolved. I contacted Santander in XXXX to notify them of the issues first letting them know it was almost 3 years since I had needed any sort of help and I was timely if they could do a goodwill and help me resolve the issues ... however I was given no helped. 3 weeks after this I decided to now take the the legal route as alluded to by the Florida Attorney General 's office. Its been over a month and nothing has been resolved. Hence I am taking my issue first to the CFPB to get a resolution with Santander before I escalate this matter any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2022-10-12
Company: EQUIFAX, INC.
State: MS
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: HYUNDAI CAPITAL AMERICA
State: FL
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:
Loan was paid off ( XXXX balance ) in XX/XX/XXXX. At this time, the lien still has not been released after 15 months. I have called company twice and sent an email in the past 10 days. Thus far, nothing has changed. 

The company is Kia Motors Finance USA. The vehicle a XXXX XXXX XXXX, VIN XXXX was purchased XX/XX/XXXX. Account number is XXXX. Loan showed a XXXX  balance as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX, XXXX, PA XXXX To Whom it may Concern, RE : REQUEST FOR FURTHER INFORMATION ACCOUNT - XXXX  ACCOUNT # XXXX With reference to Section 609 of the FCRD Act, I would like to request further information on the following item as recorded on my credit report. 

The report records that ( NEW JERSEY ). I request that you provide the original documents for this information containing my appended signature and any other related information. 

If this information is unavailable, I request that you have the item deleted from my credit report as soon as possible. 
Thank you. 

Sincerely, 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 2022-04-05
Company: Williams & Fudge, Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter in my mail from another individual coming from an apartment listed on a debt attempt letter. They apparently received a mail piece for me that stated I owed a debt on a XXXX XXXX account that I did NOT create, and they wanted to attempt to collect a false and unfair debt. I attempted to resolve this through contacting them about this identity theft activity on my name, but was told they could not clear this SOLD DEBT without any reason that clarifies what debt I apparently owe. I also attempted to contact the XXXX, and they replied saying to fill out a fraud form on their website. So I did file a dispute on their webpage claiming that this was a fraudulent charge, but now they explain that I need three types of residential proof within two months of this account existence. Which I did manage to provide ALLL of their requests for proof, including my ID ( with a different address to prove ), A Notarized Letter representing my current address ( NOT what is on record ), a police report, and I also provided a statement saying that I was homeless during those two months which shouldve started the fraud investigation, but they denied this still. So it wouldve been impossible and unfair to prove what I cant during my XXXX  stage, due to pandemic causes! I thought this was more than enough proof that Ive provided, with never been associated with this address, but unfortunately the company did not want to even start investigating my account unless I get a mail piece that falls specifically within the one month timeframe this account was opened. Since I could not provide their last request of a mail piece to my current address at the time ( after an eviction ), the claim was denied and they refused to accept ALL of my proof without showing reasons why and how this was done under me! I think this is discrimination on me because of my living situation at the time, is when they took advantage of that. In addition to this, my friend went through the same exact thing, and they approved it with the same amount of proof I provided, Im assuming they just liked her case for some reason. All I want to do is clear this debt and remain in fair terms with my credit, but if this is how they exercise their rights, then I personally have no rights to dispute anything without getting a thorough and honest investigation into this matter. I dont know what to do, Im losXXXX and they do not seem to help one bit unless I post a negative review on their business, which then they will only respond with, The customer was informed to dispute this. Please respond with a resolution so I can continue my living, clear this stressful issue, and focus on my pregnancys third trimester.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was recently checking my credit report and I saw several things I did not initiate. I was informed sometime ago that I was included in a data breach for Equifax, but thought is was a scam and didn't pay much attention to it. I have been in contact with agents from all bureaus and they are giving me the run around about deleting information that doesn't belong to me. They are reporting inaccurate information which is a direct violation of the FCRA. Now as a result, I have inquiries on my credit file/report that do not belong to me. The inquiries are from XXXX  for XXXX ; XXXX  for XXXX XXXX XXXX VA XXXX XXXX XXXX NA ; and XXXX  for XXXX XXXX. I have filed a report with the FTC, report number # 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 2022-05-21
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This desperate company on the verge of bankruptcy is attempting to communicate with me from my original communication from over XXXX years ago! No, I am not interested in a mortgage from your company from XXXX years ago! However, this sham company is XXXX calling me numerous times and also via email. Immediately, cease and desist all communications! Remove all communications though e-mail, phone and US Mail. Phone number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has come to my attention that the three Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. With that, I am asking for your assistance to delete or remove these inaccurate items from my credit file : XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
According to the Fair Credit Reporting Act, legally these unverified & unauthorized items must be removed! 

I filed police report on behave of this matter & I also reached out to all creditors. 

1. XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX # ( XXXX ) XXXX 2.XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 3 . XX/XX/2023 XX/XX/XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX 4. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 6. XX/XX/XXXX XX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX, CA XXXX XXXX 7. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX 8.XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX, NC XXXX XXXX 9.XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX TXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021

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 2019-10-11
Company: Diversified Adjustment Service, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have already had to file a complaint against diversified adjustment service with the BBB because they were threatening my credit report and refused to allow me to dispute a debt they keep calling me over. I advised them I am disputing the debt and they will not allow me to do so. Now they constantly call my phone to harass me. I have told them 4xs now to stop calling my phone and they will not. This is harassment and I want it to stop. I just called XXXX XXXX today and advised XXXX the third party they sent information to is harassing me and I want it to stop as I have been making monthly payments to XXXX XXXX for a past due balance. XXXX XXXX  gets $ XXXX as we originally agreed to before they placed my account in collections and I am now being harassed and it is against the FDCPA to continue to call and harass a consumer after they are told to stop and after I advised them I am disputing the debt. They are to not call me for 30 days while they investigate the dispute in which they have failed to do. I want a validation and verification of debt from Diversified Adjustment and I want them to stop harassing me. I have already asked 4xs to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: CITIBANK, N.A.
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: Other problem

Complaint:
I purchased concert tickets via XXXX in XX/XX/2023, which were then canceled before the concert. In the cancellation email XXXX sent me, I was informed that the Bank ( Citi Bank ) would refund me. After months of communication ( via disputes ), Citi Bank ultimately said they could not refund me. I've also contacted XXXX during this period, but they repeatedly said that Citi Bank should be the party to refund me and there was nothing they could do. 

Several disputes were established during my communication with Citi Bank, but all were returned as unsuccessful. Some agents even cited that I was late in providing documentation, but they were all proven to be incorrect. One of the managers I spoke with from Citi Bank said that some missteps by Citi Bank definitely affected the results of the dispute but could not assist further.

I also need clarification on why this was not simply refunded to my account and I even had to go through disputes in the first place. When the vendor canceled the tickets, the total should have been refunded directly.

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 2022-05-06
Company: JPMORGAN CHASE & CO.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
A fraudulent check ( HELOC ) was created ( I believe ), then my signature was forged onto same, then used to withdraw {$56000.00} from my personal home equity line of credit.I 'm still in shock that this could be allowed at any level. It was not the same bank where my line of credit existing. I noted this fraud immediately after opening my monthly statement on XXXX, and reported the fraud to my lending intuition on XXXX. They assured me that this was fraud and would be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My dispute is with Santander Consumer upon repossession of vehicle company refused to accept any of my payments I called around to see what I can do the company still refuse to accept any of my payments I asked the company for information on notice to sell vehicle or location to purchase repossession I was not provided with any of that information to recover my vehicle. I was not given a notice of reinstatement, no notice of sale or location of sale. I called them and still they refused. This is a violation of my rights how can you report to my credit bureau for me to pay for something that I did not have nor expect me to pay when no notices were received. I did not even have an opportunity to purchase my vehicle at auction no notices address or information were given to me. I would like this removed from my credit report for failure to accept my payments and failure to properly advise me of my rights and provide notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Experian Information Solutions Inc.
State: MA
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:
This is a statement by myself, XXXX XXXX in regard to an ongoing issue that I have been having with XXXX XXXX. As of XX/XX/2020, I signed up with a debt management company to help me pay off my credit card debt because I have a hardship. All of my creditors accepted the program without any issues, except for XXXX XXXX. I worked directly with my credit counselor Faith for over nine months trying to get XXXX XXXX to accept the program. The management company submitted over ten proposals to XXXX XXXX and every time XXXX XXXX would verbally tell Faith and I that send a new proposal and we will approve it, but they never did. Faith and I have called XXXX XXXX namouras times in an attempted to understand why the proposal was not getting approved even though we were told it would be. One of the supervisors we spoke with told us the reason it isnt getting approved is that my XXXX XXXX account was on an internal program ten years ago! However, I know for a fact this is just not true! I have tried for many years to have XXXX XXXX lower my interest rate and was told many times that even though I had good credit they would not lower my interest rate. So, I know for a fact that I was never on an internal program with XXXX XXXX. I proceeded to ask the supervisor to show me proof of this program. She said XXXX XXXX will pull the paperwork that I supposedly signed ten years ago for this internal program. Seven to ten days go by and Faith and I decided to call XXXX XXXX back, we spoke to another supervisor and she told us that XXXX  XXXX had no record of me being on an internal program however, they still will not put me on the money management program, and she had absolutely no explanation as to why XXXX XXXX was still refusing to accept the proposal from the money management company! 
Additionally, thought out this last year regardless of XXXX XXXX not approving the program, the money management company has consistently been making my payment to XXXX XXXX on my behalf every single month! ( please see attached invoices ) So, even though XXXX XXXX has been receiving my payment they have been reporting on my credit that they are not getting paid, which is a flat-out lie! And on top of reporting nonpayment, they have also been charging me almost {$2000.00} in overage and nonpayment fees. And for the month of XXXX, they reported the payment was late a week before the actual due date. I have filled many disputes with credit agencies with no results. 
If any further evidence is needed in order to get this issue resolved please let me know because the money management company has all our calls to XXXX XXXX record, and Im sure they will be more than willing to help with this issue!

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