BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-19
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased a vehicle from XXXX and was financed through Santander Consumer USA Bank. The vehicle Was taken back by Santander in XX/XX/2016. Santander sold the vehicle and reported a balance of {$8000.00} to my credit report. Every month since XX/XX/2016 Santander has reported a different balanced owed as well as different loan terms then I actually initially signed for. Santander has also reported different amounts to each of the credit bureaus. They have also had over {$8000.00} worth of interest on a vehicle that they have already sold and was not stated in the intitial agreement that this would happen if a vehicle is repossed and sold at an auction. I made over {$5000.00} worth of payments to Santander when I had the vehicle and I have no idea where the money went. They also gave me a 26 % interest on the vehicle without verifying any check stubs or proof of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: TX
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 filed 4 different disputes. Record available. Each time Experian stated that XXXX XXXX confirmed a balance of almost XXXX. I was told personally by XXXX, there is no balance. I logged onto XXXX and my balance states XXXX balance. I have the screenshotXXXX and XXXX have documented the forgiveness correctly ; however, Experian refuses to do so.

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 2023-02-19
Company: Experian Information Solutions Inc.
State: MI
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:
Please update all of my personal information on my credit report for each bureau : XXXX, Experian, and XXXX My only name is : XXXX XXXX My only address is : XXXX XXXX XXXX. XXXX XXXX XXXX, Michigan XXXX My only birth date is : XXXX My only phone number is : XXXX My only employer is : XXXX There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

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 2020-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
I have capital one credit cards to raise my credit score, every month paid in full and I never used over 50 % of my limit, and every month they drop my score even if I pay in full. this is not a reason to drop my credit score when I pay in full every month. lowering your credit score is when you default and not pay your bills. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: PA
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:
Experian stated in reply to my CFPB Complaint # XXXX that I submitted on XX/XX/ : Experian stated in their reply on XX/XX/ : Description Of Non - Monetary Relief " According to our records the disputed information does not appear on your credit report. " Unfortunately, these XXXX accounts were never removed at any point from my Experian Credit Report and are still reporting on the day of this 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 
I want all these accounts deleted from my credit report immediately. 

I can prove these items were never not reporting and I disputed them CFPB Complaint # XXXX XXXX stating that Title 15 U.S.C 1681Section 602 states I have a right to privacy, and 15 USC states a consumer reporting agency can not furnish an account without my instructions.

I can prove this because I subscribe to 2 credit monitoring services that I pay separate fees to each month.

Additionally, I also check annualcredutreporrt .com on a weekly basis.

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 2020-04-16
Company: VW Credit
State: TN
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:
VW credit is violating my rights under the FCRA willingly and has failed to correct. Violations include inaccurate reporting as well as failing to disclose the account is being disputed. Section 1681i ( c ) of the FCRA provides : Whenever a statement of a dispute is filed... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof.The have an F with the XXXX XXXX XXXX for that exact reason. Overview of XXXX   Ratings VW Credit , Inc. Reasons for Rating F VW Credit , Inc. Failure to respond to 6 complaint ( s ) filed against business 159 complaint ( s ) filed against business VW credit is violating my rights under the FCRA willingly and has failed to correct. Violations include inaccurate reporting as well as failing to disclose the account is being disputed. Section 1681i ( c ) of the FCRA provides : Whenever a statement of a dispute is filed... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on. Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by { {$10000.00} } per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX  are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am formally requesting this letter to update the listed account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXXXXXX Balance Owed : {$18000.00}.

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 2022-12-21
Company: ACIMA CREDIT, LLC
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
As explained in prior CFPB complaint, Acima approved me for credit on XX/XX/XXXX, then denied me on XX/XX/XXXX, possibly due to cancel of order with XXXX XXXX XXXX, order may show pending or in process on Acima end... I was denied with XXXX 's Jewelry on XX/XX/XXXX, Acima claims reason is : '' Unable to verify Identity '', in which case, no ID verification requested at the time or previously on XX/XX/XXXX ... As stated in prior CFPB complaint, there appears to be a technical error on end of Acima which reps will not admit to or address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
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:
I have two accounts on my credit that I am not responsible for. I have no knowledge of these accounts and they are fraudualent. 

XXXX XXXX XXXX XXXX # XXXX {$710.00} XXXX XXXX # XXXX {$330.00}

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 2018-03-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been a Chase Freedom cardholder since XXXX. Twice now my APR was raised and both times Chase sent me notification of the change in terms using Presorted Standard Mail. My husband who worked for the post office for 31 years was shocked when he saw this because he knows that anything that is sent Presorted Standard mail is not returnable and subject to be thrown away by the postal service if not deliverable. Because of this fact, most Americans regard presorted standard mail as so called " junk mail '' and discard it without even opening it. I believe that Chase is using this type of postage as a deceptive practice of trying to satisfy the requirements of the law while secretly hoping most people will not read it. The first time this happened my APR was raised from 12.24 to 29.99 and I was notified through Presorted Standard. I called them on this and they immediately changed it back to the 12.24 when I challenged them on it. Now they are doing the same thing again. I received the notification that my APR would go from 12.24 to 16.24 effective XX/XX/XXXX again this was sent presorted standard mail. 

In my opinion Chase is being deceptive in the hopes that most customers will throw the notices in the trash and never read them. I think they should be fined and/or required to send future change in terms notices first class mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX  ACCOUNT : XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX Account XXXX ACCOUNT : XXXX XXXX ACCOUNT : BANKRUPTCY 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
Consumer complaint received 2019-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am informing you that Transunion is continuing to report fradugelent information after I have told them that these accounts DO NOT BELONG TO ME. This information is fraud, I have gave them the police report, identity theft report & requesting that they remove & block the accounts from XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( two accounts ), and XXXX. They also have names that don't belong to me on the report making it easy for any thief to access my information. The only name I have ever used is XXXX XXXX all other names should be deleted. I have never lived at any address other than my current address over 25 years. Please delete these inaccurate addresses that I have never lived at XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX . There are also inquries that do not belong to me as well. 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 explanation
Consumer complaint received 2023-11-09
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: Information belongs to someone else

Complaint:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX Balance Owed : {$900.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$960.00} XXXX XXXX Balance Owed : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I looked into my updated credit report, I found that part of the data was inaccurate. The 3 credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Without providing proof within the allowed time frame, it is unacceptable to classify this reporting account as unverified information. Sections 611 ( a ) ( 1 ) and 609 ( a ) ( 1 ) ( A ). Please look into the unverified account : 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 2020-04-16
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am currently on the phone with a representative by the name is Ms. XXXX who is taking. a look at the account to see why my claim was denied.She states I made a statement to a representative that I gave my cousin the card to use to try and see if the bill could be lowered that it was in fact permission to use my card. The problem is that is not accurate I would never give a 3rd party my card without me written consent. I NEVER signed anything or agreed to have my card used. My information was taken in order to see if there was a way for the bill to be reduced but I did not authorize an amount to be paid. I do not understand how they can allow an establishment to withdraw funds without consent period. That is like stealing and they are giving them the right to. If the money was sitting in my account and there was something that happened where another person filed a claim against me using 3rd party the money would just be taken and there would be no questions asked so this is not fair morally and legally questionable as well. I stated to the representative that if they wanted a police report I will be glad to go and get one. She said that I do not need to have one. I do plan on calling the police however, due to the pandemic do not know how long it will even take. I will follow up regarding the matter. Right now I just want the record to reflect that the bottom line is I never gave my card to anyone and I NEVER authorized payment as stated. I sent over a copy of my bill and told them that XXXX XXXX is/was working with me to get the bill paid but now because there was a payment I have to reapply. This payment was as stated and not what they deem it to be. It is unauthorized and therefore should be returned.

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 2020-04-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX {$1100.00} Company is reporting on all 3 credit bureaus as a collection and account.I do not have a contract with this company.I have disputed it multiple times on all 3 credit reports keep changing and reaging this account that I have never opened or signed a contract with Portfolio Recovery Services.I have been disputing this company with XXXX  , XXXX  , and XXXX  for the past 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: EQUIFAX, INC.
State: IN
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: Problem with personal statement of dispute

Complaint:
I have sent XXXX letters to XXXX in the past couple months asking them to validate this debt. XXXX still haven't validated any of my requests for proof of the wet signature and original contract that belongs to this debt. This is in complete violation and want this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: FORD MOTOR CREDIT CO.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
My XXXX XXXX  XXXX was totaled in XX/XX/XXXX due to an auto accident. I notified Ford, XXXX my insurer of such. There was a remaining balance after XXXX totaled the vehicle. 
Ford advised me I have a Gap Insurance company- XXXX XXXX. 
I contacted XXXX XXXX and worked with Ford, XXXX to get this resolved. 
I supplied all necessary paperwork and reports. 
XXXX XXXX stated XXXX failed to report a 6 speed automatic transmission and a XXXX radio being part of the totaled XXXX  XXXX. I notified XXXX of this matter- twice. I received a call from XXXX stating they saw the XXXX radio issue, but did not believe the 6 speed transmission was an issue. I advised according to XXXX XXXX- it was. 
I have been getting called by Ford  Motor Credit- several times each day- and night, some calls coming in after XXXX in the evening. I have advised Ford of the situation, but they continue to call. 

My complaint is Ford needs to stop harassing me. XXXX needs to do their job. And, XXXX XXXX needs to contact XXXX not me. 

XXXX XXXX XXXX CO

Company response to consumer: Closed with explanation