BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-12
Company: Santander Consumer USA Holdings 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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account ( SANTANDER with account number XXXX ) is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Reporting XXXX history is illegal 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

P.L 90-321 ( 82 Stat. 146 ) which is law that backes the code is even stricter as it states that any agency can only get my report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) I did not give consent to report transaction history

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: HW Holding, Inc
State: NY
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I lived at the apartment for two years never owed rent but during Covid 2020 lost my job told management that I am having difficulty paying my rent they encouraged me to stay stating that I was a good paying tenant I hanged on payed the rent while working odd jobs. In the end I lost everything I owed 1 month rent I had no where to go no $ to put my expensive furnitures in storage I walked away from everything I owed {$1600.00} in rent, my furnitures were worth about {$8000.00} they sold everything and put me in collections for over {$6000.00} and is charging me interest every month on this debt!!! Which I believe is illegal why are they charging me interest? This is not a federal loan? I tried to explained to the company that the amount is incorrect and they ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: CA
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:
This is my 5th 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 an alleged fraud or extortion. 
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 explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Westlake Services, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company communicating payment assistance or payment extension options

Complaint:
On XX/XX/ my vehicle was repossessed but I had already moved my late payments.after contacting them I was told an amount to pay I called XX/XX/ and my vehicle was gone, was told it was sent to auction to be sold.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
TransUnion My latest credit report displays wrong and inaccurate personal account information- please see attached. I need to have this resolved as soon as possible as its affecting my ability to obtain credit. 

Thank you

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 2022-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My son went to eat dinner at a restaurant called XXXX XXXX on XXXX. Thats where he used the debit card to pay the bill and the numbers were stolen from the card. on XXXX there were several charges for XXXX for the amounts of XXXX, XXXX, XXXX, XXXX. On XXXX They had a charge for XXXX for the amount of XXXX. Well i reported the fraudulent charges to the bank ( Capital One ). they said they were to investigate it and we would be notified of a decision. I also cancelled the debit card on XXXX the day that i saw the charges on the account but couldn't file a claim until the charges posted to the account. I also reached out to the restaurant because that was the only place he had used the debit card at. from there i was put in touch with there corporate office, The girl that works there said after review of the camera 's she said that she seen where the numbers were taken down and by who. She said it was a girl named XXXX, also some guy and she wasn't sure if the server was in on it to. Upon further investigation they were all fired from the restaurant. The bank denied the claim! I went on vacation out of the country for 2 weeks so when i returned i called to check on it. I was informed that it was denied, I asked how was it denied and thats what they said. I argued the point. So they said they would open another investigation. well that was on XXXX. I called today on XXXX they r telling me that it could take up till XXXX of XXXX to make a decision. Well they have never replaced the $ that we claim was fraud! This is not right. Now we are out $ XXXX.That is more that my son makes in a week. Times are hard I have given them all the evidence to prove that this was fraud!! phone numbers and all. Something needs to be done!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be removed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 2023-10-14
Company: SANTANDER HOLDINGS USA, INC.
State: AZ
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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, AZ XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Furthermore, I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens 281 SW 715,719, I presume that no proof of the all debt, nor therefore any such debt, in fact there exists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company keeps calling and hanging up repeatedly. Will call from several numbers. At times, I can hear breathing. They will call as early as XXXX and as late as XXXX every single day at least 15 times a day. I have an app that automatically detects spam calls and Ive blocked several numbers but they still call using other numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Netspend Corporation
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2021 XXXX at XXXX XXXX   XXXX XXXX received a text message stating that {$250.00} had been transferred from my savings account into my checking account. Then at XXXX XXXX  I received another text message that {$250.00} have been transferred sir bird from my checking account in to  discount into an account owned by XXXX XXXX. Upon waking up at XXXX XXXX contacted netspends 800 number to inform them that I did not make this transaction, Their office was closed and  the voice message informed me that they did not open until XXXX XXXX. I called the XXXX inform them that the transaction that had taken place I did not authorize nor conduct and I received a text message at XXXX XXXX  while holding for the net span customer service to report the transaction as fraudulent. The text message I received at XXXX XXXX  stated stated do not use your card card as there may be a problem with your debit card please contact customer service. I explained to the customer service person that I did not conduct the transactions after which that representative tried to transfer the funds back into my account from that account of XXXX XXXX. The representative told me that the funds were no longer available in they're available in that account.. I opened a dispute transaction with the representative and was told that it would take up to 10 days to complete the dispute and possibly get the money back into my account. The representative told me that the funds were no longer available in they're available in that account.. I opened a dispute transaction with the representative and was told that it would take up to 10 days to complete the dispute and possibly get the money back into my account. As of today XX/XX/2021 the funds have not yet been added back to my account and I have now been told by net span customer service that the funds will not go back into my account because they did not find an error and an error. I have escalated the transactions and the rejection of my dispute with netspend to their higher investigators respond. I have been told that that can take up to 10 days and I am awaiting my funds to be released back into my account for the amount of {$250.00} that was stolen from me in the wee hours of the morning and that netspend is saying they have no error showing that the funds were not conducted by me even though they sent me a text message stating that there have been some odd activity with my card do not use my card until. I have told them I need my money back now!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX  Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24
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 status incorrect

Complaint:
XXXX ACCOUNT # XXXX delete account for multiply inaccuracies. 

DATE OPENED - TRANSUNION XXXX XXXX XXXX HIGH CREDIT - TRANSUNION {$2400.00} XXXX {$0.00} LAST REPORTED -TRANSUNION XX/XX/XXXX XXXX XX/XX/XXXX DATE OF LAST ACTIVE -TRANSUNION- XX/XX/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 2022-05-16
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wire withdrawal from my Citibank savings account amount of XXXX to a XXXX XXXX ... .same situation with XXXX  XXXX  . Closed my account due employees miss conduct. Both banks on same street. XXXX XXXX XXXX  XXXX XXXX XXXX... XXXX NY XXXX... .my thrift savings plan federal XXXX withdrawal form stolen from XXXX XXXX XXXX... I have not received in the mail my nys unemployment benefits debit card mailed to me. To XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny and my HUD vash section 8 federal mail has not been delivered to my address..my contacts information cells phone number is XXXX XXXX XXXX XXXX XXXX XXXX D ... A ... .V

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 2021-02-17
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: Their investigation did not fix an error on your report

Complaint:
Of the 3 major credit reporting agencies, Equifax is the only one that continues to report late/trailing XXXX XXXX mortgage balance of {$3400.00}. Everytime I call or start another dispute the mortgage is late additional months. I have advised them this can not be, as I am on " automatic payments '' and I have even sent them bill statements, and credit history. They have not exercised the courtesy and/or logic when reviewing information to see that the months keep trailing one another. I have had XXXX XXXX provide them correct information. With all of the disputes and information I have submitted I am beginning to believe this is racially driven. As there is no other way to understand why they have not rectified this in this amount of time.This has prevented me from buying and renovating homes, moving into a new home, getting credit increases, and providing additional needs that I have for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Unlawful Placed Forced Insurance - We have contacted Mr. Cooper ( Nationstar ) multiple times to trying to clear this up, Insurance on the Home at XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX has been consistently been paid in full ever since Mr. Cooper has handled the Loan, we do not or have not had Impound accounts with Mr. Cooper for Taxes or Insurance and has it has always been Paid in Full from XX/XX/XXXX thru XX/XX/XXXX and then was Paid again in Full from XX/XX/XXXX to XX/XX/XXXX. Mr. Cooper keeps telling us that the lapses of Insurance was in XX/XX/XXXX which is not true, The Insurance Company for this home been provided proof ( Insurance Multiple times ) and we kept getting calls that there was no provided proof on Insurance. My son XXXX XXXX on my behalf has spoken to Mr. Cooper Customer Service Every time the Issue came up and was told this would be resolved and the mistake would be taken care of, but the calls keep coming saying that the loan is in default and now their ( Mr. Cooper ) is processing Foreclosure on the Home. They have caused so much emotional distressed for no reason and have been harassing with constant phone calls and letters, I have had my son XXXX XXXX power of Attorney to deal with this issue and has provided proof that they have required. The next step we have is to pursue Legal Action with an Attorney,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV appeared suddenly on my credit report when I checked my reports one day. I proceeded to write a letter and sent it certified. I informed them that I do not know who they are collecting for and ALSO to validate this alleged and fraudulent debt by validating their right to collect with a valid license to collect in my state and, more importantly, an ink signature on a contract I signed with the creditor. ( Keep in mind I still do not know who this phantom creditor is at all at this point! ) To date I have no validation and no creditor to contact!

So I need this account DELETED IMMEDIATELY!

They are violating my federal and state rights, damaging my reputation and ruining any chances for credit enhancements by this item appearing on my credit files!

Violations of the FACPA, FCRA, and various state laws have already been violated!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: NY
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX

Company response to consumer: Closed with explanation