BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
Company: CRESCO CAPITAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
First off you XXXX XXXX XXXX XXXXXXXX because you never do XXXX and you won't do anything on this one either but the time is coming when I'm gon na be able to XXXX XXXX XXXX XXXX  just like the XXXX this complaint is against. 
This case pertains to Lone Mountain in XXXX, XXXX relating to my semi truck of which I have not missed any payments nor have I been late. Lone Mountain has illegally repossessed my truck. In the month of XXXX I requested a deferment. Typically, deferments are 30 day or until the next payment date. I at first spoke with the rep via phone. The deferment was granted but then they informed me that the payment date was too close so they couldn't process it. I was then instructed to file a stop payment on it. It's documented. I informed the rep that I would resume payment on XX/XX/22 as this was the same day as the insurance payment that their sister company had sold me during this time period. I wanted them both taken out on the same day as I was informed that the billing company was the same. Thus, the deferment was only 20 days. The next thing I know prior to the XXXX I was being sent notices via email that they were repossessing the truck and cancelling the insurance.This is totally illegal, and I am demanding my truck back. The payment for both the truck and the insurance were in my account and I was fully prepared to make the payments as conveyed to the Lone Mt. reps. I will attach email correspondence which confirms the stop payment. By law they are not allowed to repossess my truck under such circumstances. Now they are proposing to auction my truck off. This is discriminating and violates federal and state regulations. There have been other patrons that have requested deferment without any issues. They have no grounds as my payment record will prove. I didn't even receive a mandatory by law 10 day notice prior to their taking it. The term termination letter was sent after they had already repossessed the truck. Moreover they had no grounds to terminate the lease nor repossess the truck. The court hearing is over and there have been no charges or storage. Below is the party that started XXXX XXXX That doesn't however include what they did from XXXX regarding the harness and hacking the computer. 

XXXX Account Manager Lone Mountain Truck Leasing XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Santander Consumer USA Holdings Inc.
State: NM
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:
I have an auto loan with Santander USA, which is almost paid off ( Balance {$470.00} ). This loan was a joint account with my ex-husband, which went with me upon divorce. I have struggled to pay this loan. The job I had for many years was eliminated, I had a very sick child which brought on enormous hospital bills, went back to college, etc. However, I have continued to pay this loan. 

In XXXX, I moved to a new state for personal reasons and my car payment that was due on XX/XX/XXXX was late, It was paid on XX/XX/XXXX, at XXXX XXXX prior to it being 30 days late. However, Santander reported it as 30 days late to the credit agencies. 

It should not be reported as late. The payment was online and instantaneous. In addition, I have gone through each bill of theirs and am in fact a month ahead of what they show. I have requested a complete and itemized audit of my account in the past, but have never received one. I personally spent hours going through each and every payment numerous times and each time show that I am in fact one month ahead.

In addition, I wrote them numerous times asking for the exact payoff needed to close my account. I requested the information in writing. They did not even acknowledge that they received my requests, even though I have delivery confirmation. After all the years, I have been dealing with them, I would like written confirmation of the exact amount I need to pay them in order to own the XXXX XXXX XXXX free and clear. 

Thank you, XXXX XXXX ( they still have my account under my married name which was changed in XXXX, XXXX XXXX ) Account # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 recently sent you a request to reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit. 

The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. 

Remove this incorrect information at once and send me an updated copy of my credit history 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 2022-05-26
Company: Experian Information Solutions Inc.
State: GA
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 XXXXXXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize these inquiry as per the FCRA 605B, these informations must be removed until the investigation is over. I want these to be investigated and be removed as soon as possible because these inquiries does not belong to me.

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 2023-06-21
Company: VYSTAR CREDIT UNION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is about a fraud committed on my VYSTAR signature credit card. There are charges remaining on my card that I reported as fraud many weeks ago. I have a new card now and the original card where the fraud was committed is cancelled. However they continue to roll the charges on to my new account number. They tell me it can take up to 30 days to resolve. Meantime I have around {$10000.00} in charges still posted on my account. This affects my credit score. They should remove the charges and then investigate but they do not. Ive called several times and am told it is in processing. Unacceptable!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-28
Company: EQUIFAX, 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Affirm Holdings, Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I applied to XXXX XXXX XXXXt for an Educational loan to obtain a course for {$500.00}. I applied partially online and the processed continued over the phone with a representative from Affirm, who is the XXXX Party Company that provides the loans for XXXX. I accepted the loan under XXXX 's advertising, which was : Online access, a program to follow within XXXX and also a book that I should have received within XXXX XXXX. The program also included : Personalized homework assignments, XXXX customizable quizzes, Guidance from a team of XXXX experts, Every official XXXX question ever released, XXXX XXXX of exclusive live and on demand lessons, The HardesXXXX XXXX Question Prep, HIGHER XXXX  SCORE. GUARANTEED or money back and the ability to cancel the program within a XXXX 
I received the materials disorganized, which was confusing. The program was so post to be organized and easy to follow as per XXXX 's advertising and this was not true. Aside from the above, I first obtained access online, but the online access did not work without the book because it was part of a program that had to be follow step by step. I received the book a XXXX XXXX XXXX XXXX later and I noticed the program they advertised was not was I was sold. I called within the XXXX of the purchase to cancel and obtain my money back since it was part of the program and I was informed that in order to obtain my money back I had to call within XXXX XXXX. I explained that this is not what I was told over the phone and that it would be impossible since I received the book later than XXXX XXXX and part of the program was to try it and in order to follow the program I had to have both things ( online access and the book ). I order the educational material in the year of XXXX. I informed them that I was XXXX XXXX XXXX XXXX. My credit report shows delinquencies in XXXX all of the way until XXXX. I paid Affirm {$500.00} and informed them that I had not received the product correctly and I was informed by Affirm that they are not XXXX. I called XXXX and they said that it was a legitimate charge and it was not a legitimate charge since I paid and did not received the product. 
I formally request XXXX and Affirm to investigate, correct the account and my profile, return the money and remove all incorrect delinquencies from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
To : CFPB From : XXXX XXXX Re : Application for credit card & mistreatment from the XXXX, XXXX XXXX, XXXX office Application : # hidden To whom it may concern : Hello, my name is XXXX and I am an applicant for an American Express Platinum card. 

I was referred to American Express by a longtime user and client, my mother. 

Since then, the process has been miserable and rife with confusion, misrepresentation and blatant harassment. 

As part of my application, American Express requested additional documentation. That is no problem. That said, I use an online only bank called Simple. They do not have branches. There are no direct lines to speak to my banker. This antiquated way of thinking has led to Amex employees talking down to me and my husband essentially alluding to the fact that we may not be a worthy customer because we dont use a real bank like XXXX. 

We have complied with all requests from American Express. The last part of the process is that they want to speak to a banker at XXXX. Also, fine. According to bank supervisor XXXX from a conversation on XX/XX/XXXX, he just needed to speak to someone that would confirm the signor of the letter worked for simple. 

Today on XX/XX/XXXX, that was completed. Then, supervisor XXXX from the same Amex office said that was not good enough and he needed to speak to the actual signer of the letter. That would be like finding a needle in a haystack. These are employee bankers that take calls from a call que and handle calls as they come in. They do not have direct lines. 

The banker even offered to call Amex. That was also not acceptable to XXXX or XXXX. Their expectation is that they can call someone directly, but are unwilling to let XXXX call them. This is a classic case of not even allowing a possibility of moving forward with Amex which feels very much like a discriminatory practice targeted specifically at me. 

In the effort to reduce fraud they have marginalized a potential customer that was referred by her mother and misrepresented your process to me continually in a sexist and classist way that is beyond offensive. 

It is unacceptable to not provide a path forward to a customer, provide solutions, and then walk back from those solutions. I have now spent nearly 10 hours and many days of frustration with American Express. It is confounding and deeply disappointing. 

Please help me CFPB! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/2023 I received a lump sum payment from my employer in the amount of {$3700.00}. That lump sum payment should have been applied to my payments for the next 12 months or the next IDR date, whichever is sooner. I called over 10 times and sent over 20 messages. However, my payment was NOT applied correctly. I am receiving form emails back saying " You spoke to someone on the phone. '' My payment was applied to interest/XXXX XXXX  when no bill was due. The lump sum payment covers more than 12 months ' worth of IDR payments toward PSLF. 

I need my lump sum payment to be applied correctly, as requested, to my payments without exception. 

Also, my payment amount was increased under XXXX which doesn't make sense as my income didn't change however no explanation can be provided and the two amounts for the separate portions of the loan do not add together. Finally, my IDR recertification date is not reflected correctly in the account as to what MOHELA states that it actually is. This should be corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 Account # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy. 
15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2018-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 DISPUTES INQUIRES LISTED FROM THE BELOW COMPANIES ARE NOT FROM ME, I HAVE SENT SEVERAL DISPUTES AND YOU JUST REFUSED TO DO ANYTHING BUT SEND ME A CANNED STATEMENT, FEDERAL LAW STATES THAT FCRA MUST REMOVE INACCURATE INFORMATION FROM A CONSUMERS FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ARE NOT MINE, REMOVE FROM MY FILE AS STATED IN PRIOR COMPLAINTS TRANSUNION : 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 explanation
Consumer complaint received 2022-03-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
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:
-- Sent email to Citizens Bank at XXXX " disputing a fraudulent credit card charge from " XXXX XXXX XXXX XXXX  on XX/XX/XXXX for {$52.00}. I never received any products from this company. Please remove this charge from my account. '' -- Also called and reported issue to XXXX on XX/XX/XXXX. Told by XXXX ( and repeatedly thereafter by Citizens Bank customer service agents ) that I did not need to pay disputed amount while disputed ; also told there was number to contact " disputes department '' and that I must wait for a call within 3-5 business days ; I have never received any such call. 
-- Thereafter, I kept receiving " interest charges '' because of the disputed amount, which still had not been removed. Called and spoke with agents including but not limited to XXXX on XX/XX/XXXX ; XXXX at on XX/XX/XXXX ; and XXXX on XX/XX/XXXX as well as his supervisor " XXXX '' ( in XXXX " contact center ; '' her supervisor identified as XXXX XXXX. Interest charge removed each and every time while amount remains " disputed. '' -- Emailed again on XX/XX/XXXX ; still no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-10
Company: Experian Information Solutions Inc.
State: OH
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:
I have an collection account on my credit and I reached out to the company. They sent me an email stating the issue is resolved and gave me a their party to contact which I did and they don't respond. The loan wasn't opened in 2018. I didn't do that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/22, there were 2 unauthorized wire-out transactions with the total of {$100000.00} in my Citibank 's account. I opened a fraud case with Citibank on XX/XX/22. On XX/XX/22, Citibank denied my claim due to the fraud reported was caused by providing customer account information or authorization for the transactions that were determined to be a scam. Citibank refused to share what they based on to determine that I provided my account information. I only provided my information ( but not username and password for my account online ) to Citibank 's representatives to verify my accounts after these transactions completed. Citibank opened a disputed case. I was shocked and nervous after the incident happened. As the result, I answered the questions without clearly understanding questions implication. However, I explained what happened and told them that Im willing to provide the proofs to prove that I didnt do anything wrong to make this incident happened. But Citibank didnt consider my explanation and didnt give me any chances to prove that. I requested to speak with investigators many times. All the representatives told me that the investigators will contact me. But they didnt. All I received were declined letters without providing the detail of their investigation. Almost 5 months of waiting, I still didnt get an appropriate response or help.

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 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XXXX XXXX I submitted a dispute via mail and have yet to receive any dispute results and validity of the accounts

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