BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-04
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I am sending a request for complain for my car loan because over the past months I have been making my regulatory payments,but my car loan has been charging me fees after fees. The credit sale contract was from XX/XX/XXXX-XX/XX/XXXX and I was suppose to finish paying off the car by the end of last year. They send me a notice of intent to repossess my car that if I don't pay by the amount of $XXXX by XX/XX/XXXX they will repossess the car out of the other amount of fees that add up to $XXXX. The name of the car bank is called Santander. If I've been making my payments and the car bank has been charging me fees over the past months I think it can be a fraud. I'll like for whoever reaches this complaint to investigate this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: MOHELA
State: CA
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: Investigation took more than 30 days

Complaint:
for years i have been battling XXXX and federal student aid about a loan discharge that i am well qualified for in more ways than one. 
on XX/XX/2023 i received a letter from fed student aid stating that the discharge had gone through and it would be removed from my credit within 90 days. i called them, and some rude lady told me i had to call XXXX so i did. i also sent them a copy of my approval letter. 
on XX/XX/2023 XXXX sent me a letter that it would be resolved within 90 days, that time expired on XX/XX/2023 on XX/XX/2023 i submitted a complaint with CFPB on XX/XX/2023 they responded with a claim that they are waiting for approval from fed student aid. i already sent that approval in XXXX 
ive attached all the letters... time is up, fix this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fax a complete modification packet to Nationstar on XX/XX/XXXX. I called Nationstar yesterday for an update to make sure the under writer was not requesting for any additional documents. However ; Agent XXXX told me that my packet was denied. I told him that can not be possible because my documents were just faxed XX/XX/XXXX.
He said that my file was denied on XX/XX/XXXX I told him than my documents were not even review because it was to quick to have a decision. I explain to him my new source of income which is rental. My loan should be eligible for the Flex Modification since my investor XXXX XXXX participates. I need an explanation why my loan was not approve for the Flex Modification. based on the guidelines I should be provided an affordable payment. I honestly feel that Nationstar is just prolonging my case making me fall further behind. My intentions are to keep my home, I am an elderly man and is hard for me to move around. Please help me and provide me the assistance I am requesting. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
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: Personal information incorrect

Complaint:
I sent a letter to remove these inquiry and personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these inquiry and personal information not later than 4 business days. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2020-02-24
Company: DISCOVER BANK
State: GA
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:
On XX/XX/XXXX I took my truck for repairs at XXXX XXXX XXXX  XXXX Fl. I was disappointed with the repairs the dealer performed on my truck, so after complains made by me were unresolved I decided to challenge the already payment done with my Discover credit card on the amount of {$1200.00}. I went on to dispute it and the dealer agreed to check into it one more time without more charges, once dealer had my truck inside their premises they use it as a ransom and made me pay cash ( XXXX ) and also made me release the discover credit card disputed amount ( XXXX ) so I could get my truck back. I did call Discover and asked them to unlocked the credit back to XXXX XXXX XXXX in XXXX Fl. Once I got my truck back, I filed a complain to the XXXX in order to get back my {$1200.00} that the dealer was keeping ( Payment was only {$1200.00} that I paid on cash on XX/XX/XXXX, receipt attached ) Dealer made the rebuttal to the Discover credit card after the XXXX  got in touch with them. All documentation was sent to Discover Credit Card by mail and also by uploading them on their website as I was told by the credit card.I already spoke three times with 6 different representatives on discover dispute department but it seems that they are reluctant to credit my account with {$1200.00} that the dealer XXXX XXXX already sent back to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Lowes Credit Card aka Synchrony Bank has been holding my refund money for 3 months without resolve. I was supposed to receive a refund check in the mail but I never got a check. The amount was in the thousands. I had to call more than 5 times each 30-50 min a piece. Each time they promised the check will be sent. They are scam artists and will steal your money and not do anything about it.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2022-10-03
Company: EQUIFAX, INC.
State: LA
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:
According to the provisions of the Fair Credit Reporting Act this creditor ( XXXX XXXX XXXX XXXX # XXXX ) has violated my rights under 15 USC 1681 Section 602 which states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) states that a Consumer Reporting Agency can not publish an account without my written instructions. The Reporting of Late Payments by this creditor is a violation of 15 USC 1666 ( b ). Pursuant to the above listed FCRA laws this account must be UPDATED to PAANL or DELETED. This account is in violation of ( 3 ) FCRA Laws resulting in inaccurate credit reporting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Experian Information Solutions 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2021-12-17
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 remove from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX 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 XXXXXX/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 2021-12-17
Company: EQUIFAX, INC.
State: LA
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 am filing a complaint under FCRA and Fair credit and billing act. I would like to see full validation and what the company right to collect on these accounts. I have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on myXXXX credit reports : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Frontline Asset Strategies, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX  has been sending me bills since XXXX, XXXX  with an amount that I don't owe. I am not a user of XXXX and I don't have any active line either. I called XXXX customer care every-time to resolve and they asked me to visit nearest store. I went to store and they confirmed that I don't owe any money. It is taken care. They said, if anyone asks for confirmation we have a note against your account # XXXX for XX/XX/2022 at XXXX XXXX. I have asked to email or send me the note but they said that we are not authorized to share via print. 

with this story, I received a debt collector in XXXX, XXXX  and I called them about the debt but they confirmed, XXXX has confirmed that I don't owe that amount so we are good. Then I received another debt-collector name ( frontlineas.com ) Phone XXXX and my debt reference # XXXX. Once I reached Front Line then I marked this transaction disputed again. They never responded but I reached them after 3 weeks to check if we are good then they mentioned that XXXX has confirmed that you owe this money. I dont have any dispute written confirmation but they asked for amount so I paid them {$290.00}. 

I am in a circle of scam with XXXX with these debt-collector. You can check my credit history, I am very upfront to pay off my bills and outstanding but this amount is a fraud on XXXX with the support of these debt-collector. Please help me to get out of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I do not have any idea regarding these fraudulent accounts on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I contacted credit strong about an account associated with identity theft. They requested that I send in a police report after I sent them my FTC Report. A representative told me that the information would be removed. After sending in the information, they still did not remove the account and responded with ; Upon investigation and review of the documents provided, they have determined there is not sufficient evidence, and someone has been communicating with them from my email that was also hacked and utilized and was placed on the dark web. They have made this process extremely challenging and stressful, and at this point, I am feeling like this is aggravated identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The listed accounts do not belong to me : XXXX XXXX XXXX. Open date XX/XX/2023. XXXX {$23000.00} XXXX. Open date XX/XX/2023. XXXX {$16000.00}

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 non-monetary relief
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
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 I NEVER APPLIED FOR ANY OF THESE ITEMS I CALLED TRANSUNION AND TOLD THEM I SENT THEM A DISPUTE ALONG WITH A POLICE REPORT AND THEY SAID THEY COULDNT DO ANYTHING THESE FRAUDULENT INQUIRIES IS STOPPING ME FROM OBTAINING THINGS I NEED TO PROGRESS IN LIFE FOR MY FAMILY

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 2021-12-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX CFPB responded to XXXX : We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint.Companies generally respond in 15 days. On XX/XX/XXXX CFPB further responded to XXXX : This complaint appears to be a duplicate of a complaint we've already received. Experian 's responses to XX/XX/XXXX XXXX and subsequent XXXX, XXXX, XXXX, XXXX and XXXX included " ... the results summary was sent to you for review, XX/XX/XXXX '' THIS IS NOT A DUPLICATE. The XX/XX/XXXX summary for my review HAS NOT been received.

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-07-20
Company: Americas Car-Mart, Inc.
State: TX
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:
I purchased a jeep wrangler thru Americas Car-mart and allowed a family friend to take over the payments. No paperwork was ever signed, she was not legally allowed to discuss the account or make any arrangements. They were legally required to call me for any past due payments or any payment arrangements. However its come to my attention its becoming a pending repossession they have not contact me about it or any payment arrangements that have been made. There has been changes to the account and I have been contacted at all. There was no paperwork entailing anyone but me to make any arrangements on the jeep wrangler. Now it is becoming a repossession on my credit and still havent heard from anyone about it. I was the general manager for the company. They are now following policy and procedure and letting someone sign for me to make arrangements on the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Merchants' Credit Guide Company
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have previously request a validation of debt with this company for four accounts that are negatively reporting on my credit report. File number # XXXX, # XXXX, # XXXX, and # XXXX. I requested very specific validation which this company has failed to meet the request. They have also responded with a detailed billing statement that had a detailed list of procedures performed. Not only did this company fail to prove that I am the indeed party that owes this debt, They have also violated Hipaa with even having access to someone's medical history without a signed medical release form.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation