BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-27
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a car accident XX/XX/2020 and the car was a total lost. I had full coverage with XXXX XXXX and XXXX XXXX XXXX insurance. I made my payments on time before the accident.. The insurance companies should be held accountable. The car loan balance should have been paid off in full in a timely manner between the two insurance companies without damaging my credit. I was not aware the insurance companies did not payoff the total debt as expected. I immediately reported the accident to both insurance. I found out later that the loan was not taken care of by the insurance companies according to my contract. I reported the issue to XXXX  the dealership where I purchase the car.. XXXX agreed with me and contacted XXXX XXXX and the loan balance was paid in full.. I am in distressed that this information have been included in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure the information reported is completely in accurate and correct. The following information therefore needs to be re-investigated. I demand to see verifiable proof an ( i.e : an original consumer contract with my signature on it ) that you have on file for the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: EQUIFAX, INC.
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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Complaint RE : XXXX & TransUnion 30 Day Investigation Period Expired Dear CFPB, I sent a letter to XXXX & TransUnion disputing XXXX ( XXXX ) accounts as erroneous on XX/XX/2022 and mailed them certified, return receipt requested. I received notice in the mail that XXXX XXXX TransUnion received the dispute letter on XXXX/XXXX/2022. It is now XX/XX/2022 and I have not received a response from XXXX nor TransUnion. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), XXXX & TransUnion have 30 days ( about XXXX and a half weeks ) to investigate disputes. If XXXX & TransUnion can not verify the information within the 30-day time period, XXXX & TransUnion must delete all the disputed accounts from my report. 
Enclosed find a copy of the receipt showing when XXXX & TransUnion received my credit dispute and a copy of my original letter showing all the accounts I have disputed. 

Thanks in advance for your timely response to this complaint. 

Sincerely, XXXX XXXX XXXX - Consumer

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 2021-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
I had purchased a set of parts for my boat from a company located in XXXX. When the parts arrived I attempted to installed them as designed. The parts did not function and I engaged the company customer support for possible solution. The customer and tech support lacked the ability to fix or address the issue in appropriate matter. I asked for replacement or refund of the cost and the company disregarded the request. After numerous attempts to resolve this issue I contacted my Credit Card company to force a refund. I sent chat and e-mail logs regarding this issue. Detailed description with dates and times. The credit card company waited for over 4 months to come to a resolution ( even though the policy was 90 day turn around ) and has now refused the claim based on grounds that are not related to 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 explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've been trying to get Experian to update or delete inaccurate information reported to my account. According to Experian XXXX which is attach below the reporting in my XXXX account is not accurate its been reporting CO months after months affecting my XXXX XXXX. CO is not even on the guideline of how it should be report it. And according to experian glossary my report should be reporting as follow to be accurate XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ( charge off ), XXXX ( closed ). Also, according to the glossary it should be account condition and account type. So how can a closed account have a payment history every month. This is inaccurate update it or delete account.

Company response to consumer: In progress
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a account on my credit report reporting as child support/family support and courts do not even report to credit bureaus. This could be any ones account but they keep saying its mine. My signature is no where to be found and there is no evidence that this was reported with VALID verification. I have asked for it be removed multiple times and i have even called the courts who say the do not report to credit bureaus so they say dispute with credit bureaus but every time there is always a invalid investigation when i dispute with the credit bureaus.

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 2021-04-25
Company: Fay Servicing, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Unpaid Property Taxes This is a continuation of Problems with Fay Servicing LLC Reference 2 other filed complaints 1. Breach of Contract CFPB complaint number XXXX 2. XXXX  Flood Insurance CFPB complaint number XXXX Fay Servicing LLC either bought my loan or took over servicing it. Beginning in XX/XX/XXXX. There are 3 parcels included in this loan and has been in effect since XXXX. I will, Identify each with the last 2 digits of the parcel number. 
I have received several delinquent notices from XXXX XXXX Treasurer office, stating that if the past due Taxes are not paid my property will be deeded to XXXX XXXX and sold at tax auction. 3 of the unpaid notices included as attachments. More available The problems started in XX/XX/XXXX with parcel number 17. The problem includes all 3 parcels. 
I have included an Email from the XXXX XXXX Treasurers Office which shows all activity on all 3 parcels broke down by year and quarter. For the tax years of XXXX and XXXX. E-mail 3 pages included as attachment. 
I met with the deputy Treasurer and ask her to print out a parcel information report for each year, for each parcel. 6 parcel reports included as attachments. 
I contacted Fay each time I received a notice to try to have them correct the problem. There was more than enough Escrow Funds to cover these payments. I was under the impression that they collected Escrow Account funds for this purpose. 
I paid the past due taxes in full for the XXXX tax year XX/XX/XXXX and notified Fay to cancel my Escrow Account as they were incapable of handling what was required of them. Fays reply was that I could not do that. 2 Receipts included as attachments. 
Then in XXXX XXXX XXXX contacted me again and informed me there was {$290.00} in penalties and interest still owed. I paid these in full XX/XX/XXXX. Receipt included as attachments. 
The {$290.00} for penalties and interest needs to be refunded to me in full. The problem lies with the negligence and incompetence of Fay Servicing LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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:
Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items are in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX 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 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 2021-04-26
Company: EQUIFAX, 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:
THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  XXXX On XX/XX/2021, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
Please reference case # XXXX. 
US Bank response to this claim has missed the point. Please note that a CURRENCY EXCHANGE WAS NOT REQUESTED. The request entered into the ATM was for a WITHDRAWAL in XXXX DOLLARS. The ATM has decided on its own to perform a currency exchange without notifying me. These 2 cases were handled differently by the ATM from the many previous withdrawals at the same ATM, where no currency exchange was performed, and which is how other ATMs at other banks in the area are handling this.

To summarize : 1. In both dates, ATM performed a currency exchange that was not requested and charged a fee of around {$60.00} for each.

2. ATM did not notify of it's decision. The screens were the same as the usual for a regular withdrawal. 
Please review and reconsider a refund.

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 2023-02-09
Company: ALLY FINANCIAL 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:
Im am going to a health issue which is causing me to having financial hardship and not able to work. However the vehicle is broken and not drive-able due to coolant tank being blown the total cost for the vehicle to be fix is XXXX dollars that I dont have due to me not able to work, while receiving non stop calls after hours pass XXXX and receiving calls early morning before XXXX XXXX which is a violation of the FDCPA also stated on you guys website as well that I should not receive any calls however I do as reported previously but I also have been threatened that the vehicle will be repossessed.

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 2023-04-06
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I disputed to have a three bankruptcies removed from my credit report. The third party verifier stated in writing that they could not verify the information and removed it from their files. The credit reporting agencies continue to state verify as accurate even after I sent them a copy of the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
Company: MARINER FINANCE, LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a copy of my credit report and I have multiple fraudulent activities which is stopping me from obtaining credit.

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 2021-04-25
Company: SYNCHRONY FINANCIAL
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2020 I called Synchrony bank to close a HYSA. They lied and told me they closed the account and even sent an email confirming it was closed the following month I received a new bank statement available e-mail. I called immediately questioning why I was receiving this if the account is supposed to be closed. I called them on two separate occasions for a representative to lie to me and say the account was closed. Fast forward to today, same email again Ive been getting them every month. So I took upon myself to try logging in to their online banking and the XXXX  account is still open! I called customer service again today and asked for a supervisor regarding the issue. I was placed on hold for over an hour then they disconnected the call!! Im livid I want the account close. Im a victim of identity theft and the fact that there is an open bank account unknowningly to me all this time is so stressful.

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 2021-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Thursday, XX/XX/2021, I received an email stating " billing statement '' invoice. I opened the message it stated it was from XXXX XXXX XXXX XXXX, but the email Billing Department XXXX. Then it has a telephone number Toll-Free XXXX XXXX XXXX XXXX XXXX. I have XXXX anti virus and I paid {$39.00}. This message was for XXXX XXXX within automatic renewal of {$290.00} to be taken out of my account. I did not authorize the payment nor do I have XXXX XXXX. The numbers were bogus. The people had access to my bank account on file at XXXX and took control of my computer and blank me out they took money from checking {$25.00} and {$29.00} from savings. I believe it was test run. I have two checking account the primary account had {$260.00}, but was not touched yet. The took all the money from second checking and all the money from savings. I called them with the number above and they started yelling at me. I finally contact someone at XXXX the legitimate company and told them what happened they said it was a scam. I am requesting payment of {$39.00}. I looked at my account before it was locked down and they took a subscription to XXXX for {$19.00} to be an automatic occurrence each month. My bank rep said they are reimbursing me for all monies taken, but I had to open new accounts, with a block on everything. These are ripping off all XXXX XXXX XXXX XXXX consumers. They very active, if you were to call the numbers above they would answer. They stated they were trying to reimburse me, but I did not pay for the service so why were they trying to reimburse and stated they needed to get into my bank account they could send refund through XXXX XXXX. 
to

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 2023-11-27
Company: Kriya Capital, LLC
State: WI
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
the debt collector engaged in abusive, deceptive and unfair practices of the FDCPA, which is prohibited. They furnished this account that we did not argee upon and i didnt sign an agreement on. A legal contract is signed by two parties ana I did not participate in any of it. More so they did not follow the proper 5 step validation procedures which makes this unfair. In addition, they did not have prior consent to communicate with me. The debt collector can not rely on consent given to a previous creditor or debt collectior to communicate with me. According to the FDCPA i am entitled to {$1000.00} dollars per violation and clearly they violated my rights

Company response to consumer: In progress
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: CT
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:
Original account opened for a Web Bank account number XXXX in XX/XX/XXXX, not XX/XX/XXXX, debt collector violated FRCA, listed an old debt as new, " re-aging '' a debt is violation under FRCA. XXXX XXXX opened the account in XXXX not consumer. Account age is wrong. Filed disputes that have gone ignored or a generic response not addressing what I have stated in the complaint/dispute. I am the consumer that will take Experian to XXXX court if I have to, apparently it's the only way to get them to listen.

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 2022-02-28
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: Account information incorrect

Complaint:
The credit card balance reported for XXXX XXXX account ending in XXXX is incorrect. Please update with the accurate balance of {$190.00}.

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