BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
Company: CITIBANK, N.A.
State: CA
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:
called Citibank and let them know they ran my XXXX credit three times on multiple days on five different day. I asked the rep why are they running my credit report multiple times and she arguing with me over the phone saying that they didnt when I have relevant proof. I asked Citibank to remove the multiple inquiries that they saying never received a credit report. I seeking legal action because I shouldnt have to argue with customer service when it is clearly showing on my XXXX credit report. I spoke to four different supervisors in the loan department at CITIBANK and was told they had a system issue. I recorded all the calls because I have a XXXX. I filed a lawsuit against CITIBANK XX/XX/2023 with XXXX XXXX because my credit report was by the loan department. I am demanding the credit inquiries be removed because CITIBANK claims that they couldnt process the loan. I contacted XXXX and was told I need a letter.XXXX  said inquires was verified.How can you verify something if five inquiries where ran for a single application.I gave Citibank multiple chances to fix the problems now I filed a Small Claims court lawsuit because Citibank refuses to send letter to or XXXX to get the erroneously credit inquiries off my reports. I spoke to multiple representatives and they said only run XXXX and they kept arguing with me.When call Citibank the automatic system says a pending application and will have response in two days.It is now going on two months Citibank keeps sending the file to credit card dept when it is personal loan.My issues are still not being addressed so I am providing a copy of my XXXX credit report and lawsuit that was filed.XXXX  XXXX has the paperwork waiting process they are backlogged.This is going on too long and I feel like Citibank is picking on me. Everytme I call in Citibank staff keeps hanging the phone on me.I called the XXXX police department got them involved as a mediator because I have severe Mental health.Citibank is not taking me seriously because they keep sending my file to the wrong department when I keep telling them it is a personal loan application.My file keeps getting closed out with these generic letters when it very evident that the people in Executive office is not paying attention so that is why I am filing the lawsuit because getting super stressed out.Equifax keeps sending response letter stating Citibank is verifying inquiries are accurate when they not.

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 2023-07-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I took XXXX to XXXX XXXX XXXX XXXX ( Texas ) looking for a vehicle I could drive for XXXX. The Finance manager, XXXX XXXX, told me the payments for the car a salesman showed me would be about {$580.00} a month. I told him I couldn't afford that much, so he said " Let 's try this '' and asked me to sign the loan application blank. I did so, and he told me to take the car home because they had kept me there until closing time. 
A week later I received the loan approval in the mail, stating that the payments would be {$680.00} a month. My insurance company said the insurance would be about {$500.00} a month. I called the dealership asking to return the car and XXXX ,. XXXX said it was no longer their responsibility, that they sold it to Chase Bank. I tried to contact Chase and had to wait until the loan information was in their computer to discuss it with them. 
When I was finally able to talk to someone their representative told me they would sell the car for me but I would have to sign a letter stating I would pay the remainder owed. 
After receiving a late notice for the first payment I called Chase and asked them to sell the car. I just received a bill for {$12000.00} from chase and the auto insurance cost {$910.00}, plus losing the {$1000.00} down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Delray Capital, LLC
State: MN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have a very old debt from XXXX XXXX XXXX. The total balance is {$1700.00}. The original amount of the payday loan was {$800.00}, but they added fees. The debt is from roughly XXXX or maybe XXXX. It could be from as far back as XXXX. The debt was sold to XXXX XXXX XXXX. When I called them recently, they told me the debt is now with Delray Capital LLC. I tried to call the phone number I was given for Delray Capital, but it was given an automatic recording that the number or phone I had dialed was incorrect. 

Today, I received a voicemail from a woman using a local phone number : XXXX, telling me that a complaint had been filed against me in my district court, and they were trying to reach me to serve me with papers, so they needed my address. When I called the number back, I spoke with someone named XXXX XXXX and he stated he was calling with XXXX XXXX XXXX. He told me that a lawsuit was being initiated against me for financial fraud. I asked him what this was regarding, and he told me it was regarding my {$1700.00} balance with XXXX XXXX XXXX. He attempted to get me to pay the balance, saying if I waited, I would have to pay legal fees. I told him I would call him back. He gave me a phone number to reach him : XXXX. 

I am an XXXX myself, a recent XXXX XXXX XXXX, so I knew something was up. After doing some research, it appears that Delray Capital and XXXX XXXX XXXX have been the subject of a recent lawsuit for violating practically every provision of the Fair Debt Collections Practices Act. I am convinced that this same company was behind the call I received today.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-14
Company: Westlake Services, LLC
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I got the car in XXXX XXXX. The company, American Car Center went out of business a week later. I received temp tags and was told I would get my title in mail. The company the sold everything to is Westlake. I called them and was told to email them to recieve my title. I got nothing. They then to me to go to my DMV and have them request it. They send nothing. I have been contacting them for 7 months about this issue and they are doing nothing about it and basically refuse to send me anything. I have muiltplie emails with no reply and when I call into customer service they just transfer me to anyone so they wont have to deal with it. My tags are expired and I can not drive the car due to that. They want a payment but cant send me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Mr. Cooper Group Inc.
State: NM
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
i have been forbidden to ask of the results of the MAP program applied XXXX XXXX with Mr Cooper, by the attached email so I wanted to see if CFPB can help the title company that is helping me to keep my house or buy it from my XXXX, so that there is no unnecessary foreclosure. I paid the payments is just that the payments were misapplied and did not register for the last 100 months as per the prior attorney represented to the judge. The XXXX were sent to the bank by XXXX XXXX  so applying those the foreclosure could be resolved or even my mom can sell thehome to me, as I already am approved by another bank for XXXX which is more than the original loan was for, andconsideringI paid during the pendency of the trial until XXXX, the loan could have not gone over the original ammount even if it were an interest only loan. We are trying to keep the home we lived in for the last 15 years and have paid for 13 of those years until the escrow company stop allowing us to make payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XX/XX/XXXX : Santander Consumer USA responded to complaint XXXX by sending me a settlement letter with a return day of acceptance by XXXX XXXX and the amount of {$6500.00}. Santander Consumer USA Executive office stated once received they would send me the title to the vehicle, XXXX XXXX XXXX under the account XXXX. 
XX/XX/XXXX : I returned the signed settlement letter with a cashier 's check by certified mail with signature verification of deliver. 
XX/XX/XXXX : I received an email from Santander Consumer USA representative XXXX XXXX XXXX XXXX XXXX stating that he was " looking into my concerns. That I would receive something by XX/XX/XXXX. 
XX/XX/XXXX : I did not receive anything from their assigned representative in the Executive Service office. 
XX/XX/XXXX : I sent a letter to the representative with copies of the Settlement Offer, paid cashier check, copy of signature of delivered on time - prior to XX/XX/XXXX, the cashier 's check was deposited on XX/XX/XXXX. I also stated in my letter that I have a copy of my original contract and that I never signed up for any GAP, warranty program or XXXX XXXX. So there is nothing else due on this account. 
XX/XX/XXXX : As of today 's mail delivery I still have not received the vehicle title as promised as long as I met the requirements of the settlement offer. 

I would like all correspondence to be sent via US Mail because Secured email Message have a time limit ; no trace of the letter is available after the expiration date

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: OH
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:
My credit score is down due to a company called XXXX claiming I am 90 days delinquent on payment but I have no idea for what. This can not be accurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Conn 's Home Plus ( Conn Appliance , Inc, Conn Credit Corp ) has failed to properly validate this alleged debt that I do not own. This alleged debt is the result of identity theft. I have contacted their fraud department and without proper investigation and validation they immediately denied my request to have these fraudulent accounts removed from my consumer report. XXXX XXXX and XXXX XXXX refuse to show me evidence that I personally opened these accounts. They have no agreement or contract bearing my signature. In XXXX, an ex-boyfriend opened up these accounts in my name without my permission. My personal information has been compromised. Therefore, these 2 accounts are being reported inaccurately.

2 accounts were opened without my knowledge : XXXX XXXX {$3100.00} ( XXXX ) XXXX XXXX {$2100.00} ( XXXX ) I have sent Conn 's Fraud Department a police report, and FTC affidavit, 2 proofs of residency ( rental lease and rental insurance ) of where I lived during these years when these accounts were opened. 

Conn 's claims that " payments '' were made on these accounts, but they can not validate that I actually made those payments. I have reason to believe that the ex-boyfriend attempted to make payments in good faith but fell into financial hardship and stopped making payments. There is no correlation between " making payments '' on an alleged account and properly VALIDATING that this account was OPENED by me. I did not give anyone permission to open these account using my social security number and sensitive personal information. I was living in XXXX and these accounts were opened, used, and maintained for a limited time in XXXX. 

No signature, no proof, and no validation means NO CONTRACT. 

I am a victim of identity theft and I demand these two accounts be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX- Is not reporting on this account Experian - Account Name - XXXX XXXX - XXXX XXXX - Account Name - XXXX XXXX - XXXX Experian is reporting the account name as XXXX XXXX. XXXX is reporting the account name as XXXX. Experian is reporting the Agency name as XXXX XXXX XXXX XXXX is reporting the Agency name as XXXX XXXX. They failed to verify the debt within the 30 days of me requesting for the verification. 

XXXX - XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting the status of the account 120 Days late twice, Experian is reporting the status of the account as 180 Days late, and XXXX does not report the status of the account. 
This account is being reported with a different date of activity date and continuously being updated amongst each credit bureau and is not properly verified or consistent. XXXX is reporting the last date of activity as XX/XX/XXXX, Experian is not reporting the last date of activity, and XXXX is reporting the last date of activity as XX/XX/XXXX. 
This is negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section 611 ( 5 ) ( A ), you are required to DELETE all information that is inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. 

XXXX, Experian and XXXX reported late payments that they failed to verify. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Experian - XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has reported as having late payments in my credit report. I am demanding that this account be updated to Paid as Agreed and Never Late. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations. I demand that these above mentioned derogatory items be permanently removed from my credit report. In accordance with the fair credit Reporting act XXXX XXXX and XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2019-10-03
Company: ACIMA CREDIT, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On or about XX/XX/XXXX I rented a stove from a retailer in XXXX, NC. I made the down payment in cash at the stove and was told I would have to finance the balance with Acima Credit. I asked the retailer if I didn't want the stove would they come get it and no further charges would be assessed, he replied yes but the balance would be paid in 6 months. After completing the application and the immediate approval from Acima, I was told the completed copy of the agreement would be mailed to me once the stove was delievered to my home.I was required to draft the payment from my XXXX XXXX XXXX checking account. 
I received a notice of how much the approval was for via postal service. I did not receive any further documents from Acima either by mail or electronically by email. 
In XXXX I called to make sure the month of XXXX would be the last withdrawal of the payment from my account. I was told by the customer service agent that there were additional payments that I did not agree to with the retailer who communicated with Acima. 
At that point I told the agent to send the retailer to pick up the stove because I refused to pay that amount for a used stove.I was instructed to look for an email with in 72 hours of the call, take pictures of the stove, submit them and the retailer would be to pick up the stove in a two week period of time. When this did not occur by XXXX I called spoke to XXXX XXXX and was told the agent just did not follow up. Again I was told to follow the same procedure and did, to wait for the retailer to pick up in the two weeks. 
I did not hear from them and decided to wait to hear from them. I received a call from an agent in customer service on XX/XX/XXXX and after chewing him and his company out was told to for the 3rd time to follow the same procedure, which I did. 
Today XXXX XXXX I called Acima to find out why the retailer had not come to get the stove, since it was within the 72 hour time frame and was told Acima charged the account off XX/XX/XXXX and because of the charge off I could not return the stove and the amount of XXXX plus had to be paid. 
This is a deceptive financial practice they have obviously gotten away with many times with unsuspecting consumers. I was very mad and informed the agent of my intent to file a formal complaint with every agency to stop them from further victimizing consumers. 
I will gather all documents and submit them to the apropriate agency upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
Company: Experian Information Solutions 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX , XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$8900.00} TXXXX  XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on 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 explanation