BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: SANTANDER HOLDINGS USA, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Santander consumer reported incorrect payment dates, payment amounts, incorrect billing errors and had two separate third party repossession companies breach the peace on private property.This financial institution failed to protect my privacy and personal information. Non judicial Illegal repossession in XX/XX/2023 and then XX/XX/2023. Violations cited : 15 USC 1666 ( b ), 15 USC 1666 ( d ), 15 USC 1691, 15 USC 1692, 15 USC 1692b, 15 USC 1692c, 15 USC 1692d, 15 USC 1692e, 15 USC 1692f, Gramm-Leach-Bliley Act. XXXX XXXX Police department report number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: JPMORGAN CHASE & CO.
State: NY
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:
Hi, I signed up for XXXX XXXX  membership on XX/XX/ for {$490.00} using my Chase freedom unlimited credit card. I watched and followed XXXX XXXX  XXXX account for a while and decided to join their discord sever, but imediately regreted as there were some false/misleading advertisement. I contacted XXXX XXXX right the way, but there were no response, so I had to dispute with Chase. I called Chase once the transaction posted in my credit card account, but the customer service rep told me they can not dispute this charge as it is classified as investing service. I figure if I'm not satified with the service, I should be entilled for a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: GA
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$54.00} Bankruptcy XXXX  XXXX Dismissed XXXX Bankruptcy XXXX  XXXX Dismissed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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 no knowledge of this inquiry, please remove it

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 2023-07-14
Company: Experian Information Solutions Inc.
State: LA
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:
Experian does not allow for Hard Credit Inquiries to be removed online. I have had proof from XXXX XXXX XXXX XXXX XXXX that the inquiry made with my social security number was fraudulent. For the record here, I never applied for any of their products. 
This hard inquiry goes back a year. Also noting here that I contacted XXXX three times from last year before a rep from president 's office reached out to me this spring. We don't need to be reminded how credit impacts our lives. Why not remove errors as quickly as negatives reduce our credit scores for anything? 

I had great credit until XXXX. When my credit score dropped XXXX points despite having no scars and always paying off debt with significant amounts. I have exceptional payment history according to credit reporting agencies. 
I am not sure why it takes Experian this long ( over 60 days now ) to remove this error. XXXX notified them of the fraudulent inquiry in XXXX. I take care of myself and my mother. I can not afford to have my credit exploited. 
My credit score going this low has prevented me from debt consolidation opportunity as well. I am open to investigate my debt in last 3 months with Experian since paying off more and more debt has lead to lower credit scoring.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Tried to cancel credit freeze for credit card application and was successfully logged on line for 72 hour unfreeze. XXXX XXXX XXXXXXXX representative states my account is frozen but dont worry, I will connect you to transunion and you may verify your self in order to lift freeze. I will remain on the line until you qualify. The lady, whom I believe was called XXXX, a XXXX  speaking women assured him, I want to say his name was XXXX that My report was unfrozen and XXXX agent again questions her stating that it was still frozen. She hangs up and says dont worry! I v seen this before and it is probably a delay I will wait until the next day and run it and return to you via phone call. 
Well I just received a letter from XXXX XXXX XXXXXXXX stating due to my credit freeze that I could not be extended credit due to no access to my credit report. 
Shameful and these are the same people who were compromised with all my personal info.

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 2023-08-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Name : XXXXXXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX 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 non-monetary relief
Consumer complaint received 2023-02-15
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: Credit inquiries on your report that you don't recognize

Complaint:
After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. 

XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX -TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -TRANSUNION XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXTRANSUNION XXXX XXXX ( XXXX ) XX/XX/XXXX XXXXTRANSUNION XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXTRANSUNION XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXTRANSUNION XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX. - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX RESIDENT VERIFY XX/XX/XXXX - XXXX RESIDENT VERIFY XXXX XXXX - XXXX  XXXX  XX/XX/XXXX I reached out to have these inquiries investigated and nothing has been done about it

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 2021-08-03
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my vehicle with KIA Finance over 4 months ago. I have been on the telephone with them for over 3 hours in 5 separate calls. They will not send me a title. 

Background : XX/XX/XXXX : I paid off my lease to purchase a XXXX XXXX XXXX. I received acknowledgement of the payoff. 

XX/XX/XXXX : I received a " letter of no interest '' from KIA Finance ( the leasing entity ). I was told this letter would be sufficient to obtain a title in my state of residence, Virginia. 

XX/XX/XXXX : With the pandemic backlog at the Virginia DMV, this was the next available appointment to get a VA title. On that date, VA DMV personnel told me I needed : a ) the original title, b ) a bill of sale, and c ) what sales tax may have been included in the purchase.

I requested and received a written letter to this effect from VA DMV. I then made a request for these items through KIA Finance Customer Service. I first talked with an individual named XXXX, then a supervisor by the name of " XXXX ''. XXXX told me a title would be sent in 5-7 business days. I faxed the request from VA DMV directly to XXXX XXXX 's Title Department to make sure they understood the request for these documents was from the VA DMV, not me. This call 's duration was 1 hour and 2 minutes. 

XX/XX/XXXX : With no response, I called KIA Finance customer service again. First a person by the name XXXX, then a supervisor by the name of " XXXX '' ( sp? ). 
XXXX promised a call-back with an update. Call duration : 22 minutes. I did not get a return call. 

XX/XX/XXXX : I spoke with a person named " XXXX ''. He said the issue had been escalated, and action would be taken in 3-5 days. Call duration : 13 minutes. 

XX/XX/XXXX : A customer service person named XXXX confirmed a title had NOT been sent. I was connected to a supervisor by the name XXXX. When XXXX could not help me, I was connected to a manager, XXXX. XXXX said he would " do his very best to get a response from KIA 's title department ''. He suggested I call back the next day for an update. Call duration : 48 minutes. 

XX/XX/XXXX : This time I was connected with a " special agent '' named XXXX, supposedly working with the KIA title department. She said a request had been made with the title department, and I would have to wait 5-10 days for a response. When I told her this was unacceptable, she tried unsuccessfully to reach the manager, XXXX. When he was unavailable, XXXX said she would try to find someone else who could help me. After 45 minutes, the line disconnected.

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 2023-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XX/XX/XXXX, I opened an account with Capital One bank over the phone, since they do not have office in XXXX. I made a call and they told me that without being a US resident I could open the account and asked me for my Passport and my Social Security. I told him I was from XXXX and he said there was no problem. 
The account was opened and without problems began to operate through XXXX. in XX/XX/XXXX, I tried to make a XXXX and it was not possible ; He called to see what happened and at that moment I They said the account was blocked because I couldn't have an account with them if it wasn't resident or citizen US documents, my response was that my XXXX passport was accepted without any problem when opening the account, and that if there was any error it was not my fault, but that of the person who opened the account for me and entered my XXXX social number ( of which I provided a photo and which very clearly it says Social Insurance Number and a XXXX flag. there was no reason to get confused and think it was an American social number. 
Since XX/XX/XXXX, I have made countless calls to the bank and their response is always that the account is under review by the bank 's security department, I have requested in each call close the account to no longer have my money withheld but their response has been the same " WE SHOULD WAIT FOR THE INVESTIGATION TO BE COMPLETED. '' At that time I did not know what investigation were they talking about since the reason why the account was blocked was for not having a American but XXXX social number These calls are made approximately every month without having any other response. 
that they have given me from the beginning. 
In XX/XX/XXXX, I received a statement from the bank, unfortunately it had been misplaced in other documents and I only found it now in XXXX and opened it, and I realize that there is a withdrawal on the XXXX XXXX for the total value of the account balance, leaving ZEROS. 
I called again and this time they put me through to a person from the security department who answered in English and through a translator, told me that my account was closed because the security department found fraud and the money was returned in a check. I said no had received the check and his response was that I was not the real owner of that money and that this had been returned to its owner. 
I asked him for more explanations but he didn't want to give them to me and that the bank also had no obligation to Give me more explanations neither by phone nor in writing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX  Account number : XXXX, XXXX  Account number : XXXX, XXXX Account XXXX : XXXX, XXXX XXXX Account number : XXXX, DEPTEDXXXX Account number : XXXX, DEPTEDXXXX  Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number : XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ) Account number : XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 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 2022-11-23
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-02-27
Company: EQUIFAX, INC.
State: PA
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/2023, I lost my job thus my income. I used up my reserves to keep my bills current until I receive a new job yet all of my funds were depleted. I was worried about my two credit cards, XXXX and Capital One. When I spoke with XXXX, they put me on a payment plan that was 11 % of my regular payment which was {$17.00} for 6 months. So, when I contacted Capital One, on XX/XX/2023, I was expecting the same results or even better since they are a larger company. The Capital One representative XXXX, once he heard my situation, asked me how much could I pay until I get a job, ( which I was expecting within a few months maximum ), I stated {$20.00} which was approximately 11 % of my regular payment. I then explained what XXXX did for me, expecting this to be the norm. XXXX then stated I would have to pay {$310.00} for 3 months, which was almost twice my regular monthly payment! Obviously, if I can not pay my regular payment, I can not pay almost twice that! I reiterated the seriousness of my situation, aka, having no money for food and in response, XXXX disconnected our conversation. I went ahead and posted {$20.00} payments on the payment due date. What I find comical, is that I still receive emails stating Capital One can help with my payments which I find ironic because when I did ask for help, and let it be known, since having this Capital One credit card, this is the FIRST TIME I asked for help, they spat in my face!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The lender is claiming that I did not pick a fixed rate and when asked to provide signed documentation they can not do so. I have called a variety of times and they tell me there is nothing they can do for me. My payment is currently {$1200.00} and that is more than my mortgage payment and is causing me to struggle with other bills along with causing XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation