BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Santander Consumer USA Holdings Inc.
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CEO of Santander Consumer USA To Whom It May Concern : I bought car through XXXX In XXXX, TN ... I was told I had to finance through you all, even though I had good credit. I purchased a XXXX XXXX ( XXXX  ). 
Unfortunately, your product cost me more than I would ever imagine, I realized that every payment never made my total of the car go decrease. Instead it was getting higher and higher. I also noticed that my insurance was never updated with them. I soon realized that I was paying for a car I would never own. I complained and complained. I even sat in my car thinking why did this bank do this to me. I am a good paying citizen and I was just scammed. I lost more money than ever. I realized that after making payments I had already paid for the car and I was not seeing any progress in the price/financed amount. I thought about taking it to the media, but I instead tried to reach out to the customer service and they were not nice at all. 
To resolve the problem, I would appreciate your company removing this car from credit like it never happened. I do not wish to pay anything due to the horrible service and I do not have the car. I do see that your company is being sued. I am truly sorry for the inconvenience, but I was done so wrong by this company as well. I asked for information to see if terms were changed and if I missed something in the bylaws here. I was only contacted about payment. I am hurt by the decision I made to choose to buy a car from you all. You may be a great person in person, but this has hurt me tremendously. It has cost me my livelihood in so many ways. I am not able to buy a house. I have been renting for 12 years. I was not able to get any extra credit due to help me stretch the XXXX dollars every two weeks I make to take care of my XXXX children. I have hopped from home to home with family and friends to try and make ends meet. What did I do to deserve such a crazy deal. How is it that I was preyed upon with a XXXX credit score and XXXX dollars to put down and they took my hard earning money and still took it after making payments. 
I look forward to your reply and a resolution to my problem. I will wait [ 30 days ] before seeking third-party assistance. Please contact me by email or phone number XXXX XXXX they are being sued for predatory lending. I was a victim of this. I am so upset! See below! These are the things that were turned in and they were sued for. 

Santander Consumer USA - illegal practices and consumer harrassment Santander Consumer USA - unethical service Santander Bank - mishandling of purchased autoloan Santander Consumer USA - refund due Santander Consumer USA - get real Santander Consumer USA - car loan Santander Consumer USA - billing and website issues Santander Consumer - scam Drive Financial Dba Santander Consumer USA - everything Santander Consumer USA - auto loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions 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:
I am writing this complaint to EXPERIAN I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

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 2023-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The original creditor of this account is Bank of America, and the debt collector is XXXX XXXX XXXX. I learned about this account after I attempted to search the real estate market ; my realtor told me that I had to do a credit check and discovered a judgment against me placed by XXXX XXXX XXXX regarding a fraudulent Bank of America account. I contacted XXXX XXXX XXXX and informed them that the account was fraudulent. I requested them to provide me with the original record of the application of this account, but they could not provide anything. Therefore, in good faith, I called XXXX XXXX  XXXX again to inform them that I want to find a settlement agreement as long as they remove the fraudulent account from my credit report and file a motion to dismiss this frivolous collection lawsuit despite the account not being mine. I just realized I was willing to settle a fraudulent account that's not mine to get things over with, yet they did not want to settle. I made a reasonable offer to them for {$1000.00}. If they're going to call and harass me again to find a settlement, my offer of {$1000.00} will no longer be valid. My new offer for them will be {$250.00}. They constantly harass me with phone calls and attempts of collection on a fraudulent account. They know that the account is fraudulent, yet they try to collect on a fraudulent account illegally.

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 2023-01-24
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX {$230.00} 06 XXXX  In accordance with Fair Credit Reporting act. The account above listed violated my federally protected consumer rights. 15 USC 1681 Not only is this account not mine it's listed on dates I never been able to operate.

15 U.S.C 1681c. ( A ) ( 5 )

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 2023-09-14
Company: EQUIFAX, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm sending my disputes letter to dispute problems with my credit report and they not accepting my letters to help me fix my problem of XX/XX/XXXX i send them off they receive them XX/XX/XXXX this is the third month i just send new ones off today i have tracking number im just trying to fix my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: DISCOVER BANK
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I would like to file a formal complaint against Discover Card with yet another example of their fraudulent customer practices. When I applied for a Discover Card in XXXX from the application Discover Card sent me, I asked for a balance transfer of {$23000.00} from a credit line since Discover was advertising a lower introductory interest rate on balance transfers. Instead of granting the amount requested, Discover issued a card with a credit limit of {$5000.00}. In todays mail, I received a Discover Card bill showing Discover subsequently transferred a balance of {$4700.00} from the credit balance of {$23000.00} without my authorization or intent. Additionally, Discover billed {$140.00} for this transfer that I did not request nor authorized. Discover has subsequently promised to close the credit card because I refuse to comply with Discovers subsequent fraudulent and illegal requests for a certified copy of my drivers license. 

Please require Discover to under to balance transfer of {$4700.00} Discover fraudulently completed without my authorization and remove the {$140.00} fee Discover is charging for the fraudulent transfer. 

I have never previously dealt with a company with such poor customer service and fraudulent, unauthorized activity in all my 71 years. Discovers Executive Office is continually unavailable and does not listen to customers. I found a website with multiple complaints about Discover and added my initial complaint. I will be demonstrating this additional fraudulent activity on as many websites as possible to help make others aware of Discovers ongoing deceitful activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Updated report : After this transfer, I connected another bank to my XXXX account and initiated a smaller transfer of {$39.00} on XX/XX/22. This has also not been delivered to my external bank. 

As it stands the entirety of my account with XXXX is inaccessible. With no support or ATM card available from XXXX  my money is stuck in a limbo. I intend to close my account, but I can not trust them to successfully transfer my entire account if they can't even transfer {$130.00}. This is unacceptable. 

Previously reported : XXXX switched banking partners from XXXX XXXX  XXXX New York Community Bank ( NYCB ). After this change was announced, I was forced to deposit my funds to NYCB because the external accounts transfer feature was not working. After creating my NYCB account through the XXXX portal on XX/XX/22, I initiated a small transfer of {$100.00} to an external account on the same day, XX/XX/22. After nearly 2 weeks, those funds have not been delivered and XXXX has provided no support in the matter. The customer facing agents say they escalated the case, buy my {$100.00} is still missing. I have already contacted my external bank and there is no indication of a deposit from XXXX. The funds were never received by the external bank and therefore not received by me. XXXX continually dismisses the issue and says it is not their problem, yet they do not have an escalations or fraud department for me to speak to directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: WELLS FARGO & COMPANY
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:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

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 2022-10-17
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom it May Concern : The problem we are having with our mortgage is that after making mortgage payments on our house for about 24 years now it seems from the statements we are receiving that right now we owe about twice what the price of the home was when we bought it! 
We have repeatedly requested an accounting for this from Fay Servicing however they will not provide the information requested. They told me over the phone that there were too many documents for them to deal with. They raised our monthly payment significantly but will not provide any explanation for the increase or why the balance is so high. 
Our mortgage has been passed around to about 5 different companies over the years. I think there is a real possibility that distortions in the amount owed have occurred with each transfer. These other mortgage companies need to provide some accounting for their actions as well. I think the account needs to be audited all the way back to the beginning because something is definitely wrong. We are hoping that the CFPB can assist us with determining what has happened to our investment in our home. We will be happy to work with you to resolve this issue. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX. 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, 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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 writing to dispute the reported information on my credit reports regarding the XXXX XXXX Account XXXX  XXXX. The dates of last activity for this account are reported inconsistently across TransUnion, XXXX, and XXXX as follows : - TransUnion : XX/XX/2019 - XXXX  : XX/XX/2019 - XXXX : XX/XX/2019 These inconsistencies directly violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires that " whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' This inaccurate reporting is negatively impacting my good name, character, and my ability to qualify for new credit. The persistent discrepancy raises concerns about the reliability of the furnisher of this information. I call attention to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which states that a consumer reporting agency must " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate '' upon receipt of a notice of dispute from a consumer. To date, the action taken by your agencies has failed to rectify the inaccuracies identified and, as such, appears to be in breach of this provision.

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 2021-06-15
Company: Experian Information Solutions Inc.
State: TX
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 sent a letter dated XX/XX/2021 to Experian requesting the accounts showing on my credit report for XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX be validated or removed from my credit report. The accounts were not removed. I sent another letter to Experian dated XX/XX/2021 requesting verifiable proof that the alleged debts showing for XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX were indeed my debts. In the letter dated XX/XX/2021 I also requested Experian provide me with the original contracts bearing my signature for the accounts showing for XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX which I am entitled to under the FCRA Section 609. As of today, XX/XX/2021, I have not received anything in writing to prove I am responsible for the alleged debts showing for XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. By not providing verifiable proof that I am responsible for these alleged debts, Experian is violating my consumer rights and I would like these accounts 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 2019-10-14
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for a VISA credit card with one Barclay Card from Barclays Bank Delaware to obtain financing to purchase Apple products. One time I did receive financing but, this year I had called the card service and they approved financing for {$1600.00} towards purchase of two XXXX devices and so I purchased based on their verbal assurance over phone but, actually they never gave me financing instead, they started charging me the full interest from the time I purchased the devices. After a few payments of interests when I call them they always dodge me stating the next statement will have all the reimbursement but, it never happened. So, I paid them in full and stopped using the card. In the previous balance which was {$390.00} due on XX/XX/XXXX, I send a XXXX & XXXX  check and mailed on XX/XX/19 but they still charge me {$31.00} as interest. Upon this, I called them and when I explained to them that I have full records of my payment signed and mailed on XX/XX/XXXX and it does not take more than 2 working days for mails to reach destination they waived off the fees and interests. At that point I requested them to cancel my VISA card account completely and give me a reference number or an email Notice of cancellation. They have failed to give me any reference number, nor any Notice. They only told me that I shall be receiving a letter. After that conversation I have neither received any letter nor any email stating my cancellation. I spoke finally with one operator whose name was XXXX and an operator ID XXXX  ( as told by her ). Kindly help me obtain complete account closure letter from Barclay Card. Their website is BarclaycardUS.com and their Customer Service is 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 monetary relief
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts 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 15 USC 1681 section 602 A states I have a right to privacy.

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

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 non-monetary relief
Consumer complaint received 2022-10-11
Company: Affirm Holdings, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It has come to my attention that this company is reporting negatively on my credit report, calling me and sending mail to my house for a debt that was apart of identity theft. I have disputed this several times and sent over paperwork to prove this is not my debt but this company refuses to acknowledge it.

Company response to consumer: Closed with explanation