BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-23
Company: Santander Consumer USA Holdings Inc.
State: NJ
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:
CHRYSLER CAPITAL FAILED TO Affirmation to Notary of Failure to Produce Freedom of Information Request & Request for Affidavit Certifying Affirmation of Statutory Obligation made to Name of Financial Institution : CHRYSLER CAPITAL AND XXXX XXXX XXXX Specifically the Law includes the National Bank Act also known as the National Currency Act, The Consumer Credit Protection Act, The Fair Debt Collections Practices Act, The Fair Credit Reporting Act, the Truth in Lending Act and any and all laws applicable to Financial Institutions federal, state, or contractual ( commercial ) laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 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 explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yetI have items passed on that should be taken out or blocked. Per FCRA segment XXXX you are expected toeliminate any records recorded on an XXXX XXXXXXXX XXXX XXXX XXXX. I've proactively remembered thisreport from a past letter and I am including it once more. I've educated my lawyer regarding my aims and theyare eager to consider you responsible for your tenacious rebelliousness. 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 2021-11-23
Company: Resurgent Capital Services L.P.
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: Account status incorrect

Complaint:
XXXX XXXX and LVNV funding ( RESURGENT ) are reporting collection accounts on my credit even though they were PAID and the aforementioned companies confirmed that these accounts will be deleted in their entirety. Please see the attached mortgage credit report from today still showing the accounts when in reality I was promised that they would be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: NH
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:
XXXX, EQUIFAX and XXXX are in violation of the law for reporting fraudulent and misleading information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: AZ
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
ITS BEEN 5 YEARS AGO. this was settled. i was XXXX and on my own. the XXXX  was paid the copay. that was to settle it. the rest was out of my medical savings account. they never applied or didnt apply correctly... i explained this repeatly. then it finally dissappeared from credit report..i figured whew ok finally handled ... .now it mysteriously appears years later. ITS THE ONLY THING ON MY REPORT THAT IS DETRIMENTAL I AM XXXX XXXX SOCIAL SECURITY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX 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 non-monetary relief
Consumer complaint received 2021-11-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I had my loan in forbearance for the first pandemic. The pandemic forbearance ended and the company has been giving me a hard time about coming up with a solution for the end of the forbearance. I am a XXXX vet with XXXX. They had me fill out some online form which was incorrect but the man submitted it anyway without giving me the opportunity to fix it and now I can not get anyone to return phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
NOTE : This is my third complaint to CFPB about the same issue. And my 6th dispute with TransUnion, TransUnion have yet to provide me with ANY copies of original documents ( a Original Signed Contract With My Signature ) that is my Right by FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Please be advised that THIS IS NOT MY ITEM!!!!! TransUnion are required to PROMPTLY DELETE  this Negative XXXX XXXX account # XXXX. Note : XXXX have Deleted this ITEM because IT'S NOT MINES I have filed a Complaint with the Attorney General also. Please send me a Contact with my signature on it are Delete 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 2022-12-30
Company: EQUIFAX, 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: 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. 

XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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 want to file this complaint to EXPERIAN. I wrote to them the inaccuracies of my credit report including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it its over 30 days. As I checked and reviewed my credit report seems nothing has changed and no action has been taken. 

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 2017-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 had an investigation done on my credit report. I found out that this collection company and the original does n't belong on my credit report. Now, that I found this out I would like to have this collection removed. Just as well as remove the XXXX XXXX XXXX account XXXX. I am going to provide the removal letter as well for my records. Also, I provide my credit report with the XXXX account on my report as well.

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 2021-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I lost my wallet in XXXX and my driver license and social security card was in there. I continue to have to dispute items on my credit report. I also was a victim of the XXXX  Breach in XXXX. I have notice several inquires on my Transunion credit report that I have not authorize. I do not have any of these credit accounts XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX had a XXXX XXXX  since XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX had my mortgage since 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 2023-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Didn't provide services promised

Complaint:
This XXXX is for Capital One Auto Financing. This is a negative inquire on my credit report that needs to be removed. I did not authorize this to be on my credit report. There are XXXX negative inquires from Capital one Auto Financing. The dates of these inquires are XXXX XXXX, XXXX, and XXXX. I ask that you please take a look at this issue for this to be resolved off of my credit report. Please send Capital One Auto Financing a letter stating to them that these negative inquires do not belong to me, I am not responsible for these inquires, I do not have a Auto loan through them at all, and that the information needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 all 3 bureaus- Transunion , XXXX  , XXXX  to have incorrect reporting information on my credit be investigated & removed. I have sent several letters dating as far back as XX/XX/2021. I recently spoke with rep for XXXX  and was advised the address they have online is incorrect for me to submit my dispute letters and that they never received them and I should resend. Fine, this time I sent certified mail XX/XX/2021 my now 2nd letter to them to request a signature from someone, they signed for it and received it. Today, XX/XX/2021 I called back to XXXX  and they are singing the same tune, lying that they have not received it when Cleary they signed for it. 

Same for Transition, called them today XX/XX/2021 they claim to not have received my 2nd attempt to investigate and remove unauthorized incorrect information from my report. 

Called XXXX same, they are telling me they can't sat if they have or have not receive my dispute and I should call back another time. 

These bureaus have been giving me the run around since XX/XX/2021 and I have had it up to here with them!

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have submitted disputes to you and waited more than the allotted time of 45 days with no response. All of you are required by law to do so. Please investigate my disputes and remove any in accuracies and deletions, please. 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 non-monetary relief
Consumer complaint received 2023-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am writing to follow up on an issue that I have been trying to resolve with the dealership XXXX XXXX XXXX XXXXXXXX. I have attempted to reach out to the dealership directly, but unfortunately, I have not received any resolve since XX/XX/XXXX. 

As a result, I have been forced to reach out to my auto loan bank, Bank of America, to request a buyback of the vehicle. I informed BOA that they are not supposed to finance a car with a salvage title, which is the case for the car I purchased from the dealership. However, I have been calling BOA every day for the last XXXX days, and it seems that nobody can actually help me. They are requesting that I contact the dealership myself to have them unravel the deal, but since I have not received any response from BOA nor the dealership, I feel frustrated and hopeless. 

Therefore, I am turning to the Consumer Financial Protection Bureau ( CFPB ) for assistance in resolving this matter.

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 2023-09-06
Company: Maximus Education, LLC dba Aidvantage
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have applied for the XXXX program several weeks ago. I tried logging in today to see if my payment plan is approved but the app is down, the desktop site is down, and I have been on hold for over an hour with no response with customer service. Their lack of response is going to cause me to miss my payment period. I have tried on two other occasions to check progress of the application but the site seems to think they never received my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, 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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a checking account deposit with a personal check from my father in the amount of {$6000.00} on XX/XX/2022 to my US bank checking account. I made this deposit Via ATM after XXXX as I was working and could not complete the deposit earlier. Due to the deposit amount I was not able to complete this transaction via the mobile app. I assumed there would be a hold on the funds due to the time and amount of deposit which is reasonable, however there was an additional hold placed for several days. I received a letter from the bank dated XX/XX/2022 that stated we have placed an additional hold on funds deposited because " we have information that leads us to believe this check will not be paid ''. It was a check from my father 's credit union!? And what information do you have that would lead tou to believe the funds would not be paid. Of course no such information could be provided. My depsoit has been held for an additional week. I incurred multiple late charges and overdraft fees due to the very unnecessary extended hold. I have been unable to pay my mortgage or utilities due to this. Unbelievable! My father provided me a snapshot from his bank account proving the check cleared his account on XX/XX/2022. 
I contacted both the XXXX customer service department AND my local branch and was told there was nothing they could do. The local branch stated they could try to contact my father 's bank to verify funds but that majority of banks no longer do this for Privacy purposes. I understand that hold policies are in place to protect the bank and Consumer but to extend a hold based on a claim that they have " Information that lead them to believe the check would not clear '' when no such information could be provided is unethical, predatory and very dishonest! 
The letter I received also stated that they would reimburse me any fees incurred as a result of the extended hold. We shall see. I'm not hopeful at all. 
I have been banking with US Bank for over a decade but I am absolutely disgusted and disappointed with their so called policies. As soon as I am able I will be banking with another more honest and ethical institution.

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 2022-11-25
Company: EQUIFAX, 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 sent a letters to the credit Bureaus to deleted the inaccuracies and misleading information 's in my credit report on XX/XX/2022 and until now they are not yet removing the listed accounts i want them to remove it because it is affecting my credit score

Company response to consumer: Closed with explanation