BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-15
Company: Santander Consumer USA Holdings 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 have contacted XXXX  several times trying to get this issue resolved. I have notified via mail ( 3 attempts ) and calling them twice. I explained to them that Santander Consumer USA in the amount of {$27000.00} and XXXX XXXX XXXX in the amount of {$54000.00} are both fraudulent accounts that reflects my credit report. I have also contacted both creditors about this matter. I was advised to file a police report and Identity Theft Report which I have done. Neither of the other credit reporting agencies are reporting these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 try to dispute each C.B about removing all late payments because of consolidation to my student loans but thry wont update it. I dont want the loans removed but to update the late payments to all current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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 requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit 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 2020-05-02
Company: CITIBANK, N.A.
State: NC
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 customer service

Complaint:
On XX/XX/2020, I received a refund in the amount of approximately {$7600.00} on my CITI credit card and to date ( one month later ), I have not been able to get my refund. I have contacted Citi AAdvantage multiple times and they told me it will take 3-5 days. As of today, my account is still showing a credit of {$7500.00}. 
Company Information : Citi Cards XXXX XXXX XXXX XXXX, KY XXXX www.citicards.com Customer Service : 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 2022-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
There is an account with Capital one that i did not open and i can not get ahold of anyone at capital one to help me. No one will answer the phone or will answer my questions. I have atatched my police report for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Notice to all, I am that the consumer, in fact, natural person, original creditor, lender, executor administrator, holder in due course for any and all derivatives thereof for a surname. I XXXX XXXX who is currently of the age of majority would like to validate the information listed above is accurate and hereby would like to address several violations that have occurred between the creditor ( MIDLAND CREDIT MANAGEMENT ) and XXXX XXXX & XXXX  a Non-Government reporting company. Fact, The Fair Debt Collection Practice Act was established to stop the abusive, deceptive and unfair debt collection practice by many debt collectors. Fact, Affiant is aware and has proof in attachment labeled exhibit " A '' that MIDLAND CREDIT MANAGEMENT and XXXX XXXX & XXXX  a Non-Government reporting company is currently in violation of U.S.C 1692c ( a ) in which any COMMUNICATION WITH THE CONSUMER GENERALLY-States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Fact, Affiant is aware and has proof in attachment labeled exhibit " A '' that MIDLAND CREDIT MANAGEMENT is currently in violation of 15 U. S. C. 1692c ( 3 ) ( b ) COMMUNICATION WITH THIRD PARTIES-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate in connection with the collection of any debt with any person other than the consumer his attorney. MIDLAND CREDIT MANAGEMENT willful violated my rights by non-compliance I the consumer demands the ceasing of communication as stated in 15 U.S.C 1692c ( 3 ) ( C ) with all parties involved and for the related information to be removed from my report. Due to MIDLAND CREDIT MANAGEMENT XXXX XXXX and XXXX have willfully violated several of my rights I am also seeking Civil liability which 15 U.S.C states any debt collectors who fail to comply with any provision of the title with respect to any person is liable to such person in an amount equal to the sum of { {$1000.00} }. Midland Has Willfully damaged my reputation by reporting this alleged debt on my consumer reports and also sending alleged debt lawsuit to an incorrect address causing neighbors to view this embarrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 fist requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported in violation of the FCRA and FDCPA early in XXXX. I contacted you again XX/XX/XXXX about THE SAME issue. XX/XX/XXXX your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. You said these accounts were verified as accurate. Per the FCRA all information reported has to be ACCURATE, COMPLETE AND VERIFIABLE. You verified these INACCURACIES AS ACCURATE!!! HOW?!? This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. 

I requested XXXX  XXXX XXXX be removed from my credit file because 1. they are reporting 3 different dates last active ; TU XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. XXXX. They are reporting different last payment dates Transunion reports XX/XX/XXXX and XXXX  XXXX/XXXX. 3. They are reporting different payment activity history. Furthermore, there should be no payment activity being reported after the account is closed, this alone is in violation of the FDCPA. Why would there be payment activity on a charge off account? Are you deliberately trying to punish my score?

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 2023-10-05
Company: Carvana Group, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I have filled out my consumer credit application with CARVANA for a 2022 XXXX XXXX after receiving an email to go ahead and see my offer, I have encountered a big issue. I have been told that in order to complete the consumer credit transaction/order I need to pay {$5800.00} this is for a financed vehicle that will be used for household and personal purposes. I reached out to CARVANA via their chat and I was told in order to get to the underwritting department I would have to complete the order. Not only is CARVANA customer service not helpful, but CARVANA is in violation of my consumer rights. I provided the customer service rep " XXXX '' with 12 CFR 1026.4 so she would understand my questioning of such amounts but ultimately after an hour no resolution other than having to place the order. Ia m still without a response and without being able to acquire the car. I would like for CARVANA to complete the transaction with all of their fees and " down payment '' added correctly as per 12 CFR 1026.4 so I may go and pick up the car. I also want to stress out that XXXX says insurance, service fees, dealership fees, are part of finance charge, as such said transaction should be XXXX out of pocket for me to pick up this car. Denial of acces to my credit would be discriminiation per Equal Credit Opportunity Act and Carvana withholding my access to my credit and securities would be considered securities fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/22, XX/XX/22 ( additional dates/ tracking numbers attached below ) l sent letters to the credit reporting agency and creditors reguarding inaccurate and unknown items in my consumer report. To this day over 30 days later I have not received a response yet. I feel like Im being ignored and taken advantage of my dispute Section 611 ( a ) states that failure to investigate items within 30 days gives reason to delete. Delete these items from my consumer report immediately. The credit reporting agency/creditors also violated 623 ( a ) ( 3 ) - 15 USC 1681b- 15 USC1681e ( b ) - 15 USC 1681a -2 ( A ) ( i ) - 623 ( a ) ( 1 ) ( B ) ( ii ) ( 5 ) They were also supposed to complete all investigations before the expiration period under section 611 ( a ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: NY
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29
Company: AES/PHEAA
State: GA
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:
A student loan was taken out in XXXX of XXXX for an XXXX add on degree. 
-Graduated in summer XXXX -went back to school in Spring XXXX -graduated in XX/XX/XXXX The total amount borrowed was {$34000.00} According to my records/bank statements and payment history, we have paid {$64000.00} towards the loan. {$17000.00} was forgiven with teacher loan forgiveness program. Payments have been made on the original loans more then 10 years. {$6800.00} is still owed. Loan has been with 3-4 different loan companies XX/XX/XXXX-first call with concerns XX/XX/XXXX-requested an ombudsman which was not very helpful. He was able to show that a {$6000.00} payment that was supposed to be credited was charged interest for over 10 years. Every time they sent a bill we paid it. Beginning in XXXX it was automatically drafted. We would get notified when the amounts changed but were still automatically drafted. XX/XX/XXXX submitted a review-was not notified of results Every time we submitted something it would be review. Takes anywhere between 90 days -2 years. 
Submitted loan forgiveness application XX/XX/XXXX, They said we only had 27 payments on loans that were taken out in XXXX-if that were the case we would have been in collections. Resubmitted for review. Resubmitted application in XX/XX/XXXX. XX/XX/XXXX was denied because they said they needed more info. When talking to XXXX # XXXX she could see all the info they said they were missing so she resubmitted it. 
XX/XX/XXXX was told to submit another application to look at loan payments. 
XX/XX/XXXX said the loan showed interest was added because it was not paid off in 10 years. 
XX/XX/XXXX, XXXX-heard from PSLF person. Payments were still wrong. I started going date by date. He had missing dates. I was told to upload bank statements from XXXX which i did. Requested payment history again. Payment history showed that payments I submitted bank statements for. 
XX/XX/XXXX, XXXX-called to get update to see if payments were applied. I was told it was still in review and there was not a time line. It could take up to 2 years. 
I have the records for all the payments. This loan should be paid off by now. One of the loan companies XXXX has had cases brought against them for not applying loan payments. This is ridiculous that these reviews take this long.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: Pollack & Rosen, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Several months ago I contacted XXXX XXXX on an old credit card bill that was charged off so I could help increase my credit score. The  amount was under {$1500.00}. It was agreed verbally that the payoff would be decreased to {$700.00}. I was able to pay {$500.00} that day and agreed to pay the remaining {$200.00} when I could over the next several months. They agreed on a recorded line and also sent me a settlement letter. Since that time, I can not find a copy of the settlement letter they sent me as it was in my briefcase stolen from my fiance 's truck when there were break ins in our neighborhood in XXXX County ( they also stole his laptop and we have proof of all this/the thieves were apprehended ). That being said, this past week I have been receiving letters from several lawyers that a class action suit has been filed against me by XXXX XXXX - at least 5 letters came. I called XXXX XXXX 's customer service number but it only asks me to please hold and then a law firm picks up. I explained to them that I had reached a settlement agreement with XXXX  XXXX but they refused to listen, stating I owed over {$1400.00} and needed to produce the settlement letter to prove this. I told them I needed to speak to XXXX XXXX because the call was recorded and I did not have a copy of the letter, and asked if there was another number I could call. The first staffer I spoke to stated I needed to speak to XXXX XXXX directly but I told them I keep getting transfered over. He couldn't help me. The second staffer I spoke to stated the same - you owe {$1400.00} and at that point I got very upset and stated I was not hanging up until they put me in touch with XXXX  XXXX or gave me a number to call them - so she hung up on me. I feel this is fraud and they are trying to collect money that is not owed. I payed the {$500.00} and only owe {$200.00} but how can I prove this if I can't get through to XXXX XXXX? This law firm is blocking me from getting through to XXXX XXXX to get the legitimate information which is my right. They are demanding money that is not owed and this is in no way fair

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: General Motors Financial Company, 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: Credit inquiries on your report that you don't recognize

Complaint:
This inquiries was obtained unauthorized and reported to the credit bureaus, and it gives me a negative impact on my credit report. Either this inquiries promised to be soft or hard pull still not authorize and have no agreement Whatsover.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I received an updated copy of my credit report and I still show listed with in public records a bankruptcy which continues to be listed inaccurate and or not verified. I have since on multiple attempts have forward documents that relate that no such reporting has been given and that alleged third party data furnishers without my consent and or the credit bureaus continue to listed this information.

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 2022-04-08
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The last months rent was paid and the property owner kept the security deposit. The amount owed certainly isn't a rent payment so it must be that the owner seems to think that the cost of repair to the unit was greater than that of the security deposit. If this is the case then I want itemized receipts showing what was done and by whom which were never provided, and the records of my payments to you and the security deposit amount. Only now that it is on my credit am I aware of these charges. This method of business is certainly not one that leaves you in very good standing with your tenants.

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 2023-09-19
Company: EQUIFAX, INC.
State: LA
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:
After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete the items immediately. 

XXXX. XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX  XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( XX/XX/XXXX XXXX. XXXX  ( XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX  ( XX/XX/XXXX ) XXXX. XXXX  ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX  XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX  ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) Please remove these Unauthorized items IMMEDIATELY and send me a copy of my updated credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: BARCLAYS BANK DELAWARE
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
My credit card was used by someone to make 4 unauthorized cash advances in a city about XXXX miles from where I live. The transactions were made XX/XX/XXXX ( 2 transactions ) and XX/XX/XXXX ( 2 transactions ). I called the credit card company on XX/XX/XXXX to report the fraudulent cash advances. They cancelled the fraudulent card and reissued a new card. I was told they would investigate. They were not charging interest so I thought they were investigating the claim. By XX/XX/XXXX, I had not heard anything and I called the company back on XX/XX/XXXX. They did not have any update on the investigation and I had to explain the entire story again. This time they gave me a reference number and told me they would investigate and I would hear something within 1-2 billing cycles. To date, I have not heard from the company and they are charging interest on the cash advances.

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