BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: U.S. Auto Sales Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I put down a down payment as there policy for us auto is no matter the credit or amount you make you have to put a down payment I did and they falsified documents that said XXXX. They supposedly operate under tila but they did not give me a my recission papers at all or mention it they did not include insurance I had to go to outside provider the finance charge was not the sum of all charges they also did not give full disclosure and let me know that my signature will create the credit. They tried to take my car that belongs to me there is no lien that has been filed. did a ucc 11 search and it came back as no liens on anything attached to me certified. I have the mco. Its in my name. They are harassing and threatening me to take my car. They say I owe for the car and that is not true I have asked for validation that I owe I have asked for a full disclosure contract signed by both parties with 2 wet ink signatures an invoice the actual accounting the lawful terms and conditions they have yet to do so just keep saying I owe x amount but cant prove it.they had me sign documents that said retail installment loan and it was actually a consumer financing transaction. The person who tried to steal my car completely breached the peace I had to call 911 and they have no security interest in the property only myself

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I got a new car loan with Santander Consumer USA in XXXX of XXXX, initially when I got the loan I tried to do it by myself but ended up needing to have a co-signer so I got a family friend that weve known for long to help me with it so he did. We were able to get the loan on a new XXXX XXXX XXXX and we both appeared on all of the paperwork for the car and the loan. After a few months I tried looking for at my credit report but even though my name was on the loan it just never appeared. I really didnt think much about it since I was just about XXXX at the time but now that Im XXXX I understand the importance of my credit report so I reached out to Santander Consumer USA and asked if I could get copies of all the statements from the car that I received and also if I could possibly know why they decided not to report the car loan that was also on my name when the other person on it was definitely getting the loan on theirs. But the customer service representatives were of absolutely no help with anything and didnt know what I could do. The car has since been sold since XXXX of XXXX a while after I got stationed in Virginia. The reason Id like for the loan to appear on my credit report is because I feel like it would greatly benefit my credit report because that was the earliest loan that I have ever had and I made every payment early or on time for the duration of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy 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 2020-12-28
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Beginig of XX/XX/XXXX I contacted my bank, US BANK about a fraudulent electronic withdrawal for {$470.00} presented as a reprinted check with no signature from me nor drawn from my account as I don't use checks. The instrument was obviously suspect and improper. However the bank honored it and transferred the funds to the unknown party. I immediately notified the fraud department and was told to lock the account but keep open for the return of the funds by credit within ten days as well as my several direct deposits. I opened a new account as advised and initiatived direct deposit changes which the Social Securityb Admin advised would not be effective instill XX/XX/XXXX. 
I called three times to check the status of the credit with the bank and was told twice that it was in process, the third time I was told that no credit would be given because this was a " check '' fraud. And th a after 45 days the investigation would then refund the money. We have gone far beyond 45 days with no resolution. However on XXXX XX/XX/XXXX I received a letter from the bank advising me that if I did not close the account in 30 days then I would forfeit the refund of my stolen money. 39 days is not sufficient time to transfer my deposits. The bank told me to keep it open. I have complied with their rules and requirements yet they have collided to steal my money and refuse to honor their obligation to defend depositors accounts. 
This is an outrage 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 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello I paid for a service on my vehicle at the XXXX XXXX XXXX, TX. I reached out to them because it's showing as a hard inquiry from XXXX XXXX, but it says XXXX. The check was for an amount of {$490.00}. I have tried to reach out to Check Plus using the information on XXXX XXXX at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX ( XXXX ) XXXX, but the line always says " All circuits are busy '' no matter the time of day. This is the same phone number the XXXX XXXX of XXXX gave me, and truthfully they were not much help. I googled that address and it seems like its not a legitimate business address. https : XXXX, +XXXX, XXXX, XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX Therefore, I have no one to speak with to dispute this hard inquiry. No one ever asked me if its ok to run my credit for a check for payment! I looked them up at the Better Business Bureau and it seems like I am not the only one who has had this problem. You can find that complaint here : https : XXXX I tried to submit a dispute with Transunion for the hard inquiry, but they said that it has to be reported to Consumer Finance, please 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 2023-04-19
Company: Experian Information Solutions Inc.
State: OK
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. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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.

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 2023-07-25
Company: Conduent Incorporated
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I hope this message finds you well. My name is XXXX XXXX XXXX XXXX and I'm writing to formally lodge a complaint against XXXX  and their Way2Go Debitcard Program for failing to acknowledge and properly handle a dispute regarding fraudulent withdrawals from my account. 

In summary, I discovered unauthorized transactions on my account on XX/XX/2023. As required by the Electronic Fund Transfer Act ( EFTA ) and Regulation E, I reported the issue through a certified letter sent via USPS within the stipulated 60-day timeframe. This action has been documented through a tracking number provided by USPS, verifying the delivery of the letter. 

However, the bank has consistently failed to acknowledge the receipt of this initial complaint, despite providing them with the tracking information. Further, they have insisted that the dispute open date is based on when they opened the dispute internally, rather than the date when I sent the certified letter, which goes against the principles of the EFTA and Regulation E.

I've made several attempts to resolve this matter with Conduent and the Way2Go Debitcard Program through their designated customer service channels. Still, these efforts have proven fruitless. Contact with the company was only initiated after I filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX, and even then, the issue has remained unresolved. 

This communication has been primarily through email, as the contact number provided on the back of my card leads to no live assistance. The correspondence between myself and a representative of Conduent 's Way2Go Advocacy Group, named XXXX, is enclosed within this letter. 

In accordance with the EFTA, Regulation E, and potentially the Uniform Commercial Code ( UCC ) if the unauthorized withdrawals were made via forged checks, I am seeking your assistance in launching an investigation into these unauthorized withdrawals and limiting my liability to the maximum extent permitted by law. I believe that my rights as a consumer have been violated and request that this matter be urgently addressed. 

Thank you for your attention to this matter. Should you need additional information or documentation, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: JPMORGAN CHASE & CO.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I paid {$30.00} stop payment at Chase Bank for XXXX XXXX XXXX XXXX because I did not want to pay this debt because it violated the contract that I had with it. XXXX is the collection agency for Chase Bank which is the reason Chase did not follow though on the stop payment. Chase Bank charged me overdraft fees in the amount of {$360.00} I have contacted Chase Bank but the issue has not been resolved. My account is not accessible because I have a negative {$360.00} and Chase Bank want me to pay this amount to bring my account current. XXXX has stated it will continue to present a draft each month for {$230.00} to Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Wrong name showing on report 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 2022-11-27
Company: Experian Information Solutions Inc.
State: NJ
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:
Hello, I asked for a copy of my credit report and you still haven't provided payment History for the following account. Please provide payment history information with proof of payment including date of first delinquency for the following account. Also please send me a copy of my last payment for the following account. 

XXXX XXXX XXXX Account XXXX XXXX XXXX # XXXX I have asked several time for this information. If you can't provide payment history & a copy of my last payment to these creditors please delete these accounts. 

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 explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: GA
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:
I XXXX XXXX am sending this information personally and on my own behalf. The account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, PA XXXX Account No. : XXXX is being reported to the Credit bureaus incorrectly and without my consent and therefore should not be on my consumer report. 15 USC 1681 states that I have a right to privacy and section two of that same law 15 USC 1681 Section 602 section 2 states that a consumer reporting agency can not furnish an account without my written consent I HAVE BEEN VIOLATED AND DEMAND THAT THIS ACCOUNT BE REMOVED. XXXX XXXX XXXX can not produce any documentation proving that I ever had a contract with them, in fact they can not produce any signed contract with my signature. XXXX XXXX AND EQUIFAX did not verify any of this information before publishing this information which is another violation of my rights. Also if a consumer disputes the validity of a debt or any portion of a debt the collection agency must cease collection of the debt. ALSO BILLING STATEMENTS ARE NOT EVIDENCE OF A DEBT and providing statement is not validating a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
On the evening of XX/XX/XXXX, I received a notification from XXXX XXXX that my credit score had dropped significantly. Since I knew of no reason this should have happened, I logged into the XXXX XXXX site to see why I was receiving this very confusing notification. I was stunned to see that Capitol One had reported my account delinquent. Not only that, it was specified that I was over 30 days late and had missed a payment. Since neither of these things is true, I called Capitol One the next day, XX/XX/XXXX to investigate the error. 
The first person I spoke with told me that Capitol One doesnt report an account late until 30 days after a payment is late. I told her that I was never 30 days late and that I was looking at my account on their own website during our call and this information proved I was correct. The payment in question was XX/XX/XXXX. My account history shows a payment made in XX/XX/XXXX. However, Capitol One had, indeed, reported me 30 days late with a missed payment. Again, their own website shows this to be false. I did make my XX/XX/XXXX payment 14 days late and do accept full responsibility for this. But I was NOT 30 days late and I DID NOT miss a payment. Capitol One received, accepted and posted my XX/XX/XXXX payment in XX/XX/XXXX. The representative couldnt understand why my account was reported in this false manner. She asked if I minded being put on hold while she checked into it for me. I agreed and was put on hold for more than 15 minutes. She never returned and I was subsequently hung up on. 
I called back. The next person couldnt help me either and the call went pretty much the same way so she put me through to a supervisor. This persons explanation was fairly ridiculous. Although I was NEVER 30 days late and certainly NEVER missed a payment, and Capitol One did receive, accept and post my XX/XX/XXXX payment in XX/XX/XXXX, because my payment had fallen into their next cycle it had been applied to the following month, XX/XX/XXXX, although, nowhere on their website is this indicated and I was not notified they had done this.. This, to me, seems like a Capitol One, internal bookkeeping issue, not an excuse to criminally file false credit information which dropped my credit score XXXX points over night. 
Even though their own site shows my XX/XX/XXXX payment paid in XX/XX/XXXX, they refused to accept responsibility for their actions and told me my only recourse was to file a dispute with their Disputes Department, which can only be done by snail mail. I am mailing my dispute letter today. All of this will remain damaging on my credit report unless they correct their error ... if they agree to correct it. A bad report that lowers a credit score takes a very long time to correct, even if the information is incorrect and later changed. The damage is done!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
In accordance with the fair credit at this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states consumer reporting agencies can not furnish an account without my written instruction. Under 15 US 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 spoke with manual at Transunion on XX/XX/2022 about the late payment that appears on my credit report I request the following late payment to be delete and removed off my Transunion credit report : XXXX XXXXXXXX XXXX '' late payment amount of {$17.00}.

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 2018-04-24
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My taxes were taken from me due to Navient showing my loans are in default sinceXX/XX/XXXX Navient has not reported that I made payments on these accounts. I have a payment history with Navient that I keep on file to show that payments have been made. When I first called them on Tuesday the XX/XX/XXXX they said I needed to send proof of payment and they would review it and if it checked out they would reverse my tax refund of {$1600.00}. I sent it certified mail that day. I waited 3 days after I got confirmation of them receiving it and called again. The lady who answered said my payment history shows I clearly have been making payments but she couldn't do anything for me. I am very frustrated not only because I was counting on that money from my taxes but also to find out my loans ( that I have been paying on ) have been in default sinceXX/XX/XXXX. It is not easy paying that money every month but I make sure I do so the loans do not default. It has been a stress on my life, and when I don't get my taxes even though we are struggling to do the right thing and find out my loans are in default on my credit report????? I need help in this matter please.

Company response to consumer: Closed with explanation