BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-13
Company: SUNTRUST BANKS, INC.
State: FL
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:
I was a victim of fraud, someone used my credit card in the state of Texas, while I worked in the state of Florida, I reported the fraud and the bank does not want to recognize me. the bank wants me to contact each store where my card was fraudulently used. When I have Fraud protection liability. 
My case # XXXX Card number ending : 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 monetary relief
Consumer complaint received 2019-01-28
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
EOS CCA keeps calling me about a 5 year old XXXX debt I incurred when I was waiting for XXXX. They yell and scream and are quite threatening in tone. They repeatedly call my daughter and ex husband of 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX ( a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. ) is not delivering my monthly Lease Statements by mail. I have called their customer service number at least five months in a row ( most recently speaking with XXXX in the " Executive Office '' ), and they still have not resolved the problem. I have received other mail from XXXX XXXX, but not my monthly Lease Statements. Each time I speak with them, they say they have resolved the problem, but that is never correct, as I still have not received my monthly Lease Statements by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: VW Credit
State: MD
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:
Hello, I paid off my VW lease on the XXXX of XX/XX/2023. 

I was told that I would have my title within 10days of the payment. It is now XX/XX/XXXX and still no title. I even Paid extra to have the title sent faster to my home. 

I have since sold my vehicle and the party that it was sold to will not release funds until they have the title. 

This process has caused hardships for me since I cleared out my savings to payoff the balance and sell the vehicle. 

I am also requesting that VW pays me back for the last 2 months of payments due to this issue. I have also called VW and they told me that they are backed up with title issues and they can no do anything about it. That seems unfair to me since they already have taken my money and I do not have the title.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-09
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan with PHH mortgage service. They are refusing to remove my escrow account. i have provided them an appraisal with a value of {$390000.00} I owe approximately {$270000.00}. Which gives me more than 20 % equity in the property. My account number is XXXX and my address is XXXX XXXX XXXX XXXX XXXX fl XXXX. My name is XXXX XXXX my phone number is XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
There are addresses on my credit report that I have never lived at. The only address that should be on my credit report is XXXX XXXX XXXX. The other address are not mine and wonder how did they get there. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX-XXXX,XXXX XXXX XXXX XXXX , GA 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 2023-07-20
Company: Experian Information Solutions Inc.
State: WI
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 am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2022-11-10
Company: The Receivable Management Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a letter stating RMS was collecting a debt for XXXX XXXX XXXX XXXX. It states I owe {$290.00}. I called XXXX and gave them the Acct No and the Reference No in the letter. XXXX supply chain says neither of these exists and believes the letter and company are fraudulent. I tried to call the number on the RMS letter XXXX XXXX XXXX XXXX, but all it does is put me on hold with music playing and after 10 minutes says they are too busy and disconnects.

On top of this, they also called my cell phone and tried to get me to pay over the phone. 

The company says it is RMS : The Receivable Management Services LLC. 
Acct No : XXXX Reference No : XXXX RMS says their address is XXXX XXXX XXXX  XXXX, MI 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 2019-08-23
Company: U.S. BANCORP
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have a new hard inquiry on my XXXX that I don't know. It is from elan financial whom I don't know They have left no contact info. 
I called XXXX with no results. Please help for I believe this is an attempt of identity theft.

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
aCCOUTN IN QUESTION : XXXX Transunion, XXXX and XXXX Are reporting in correct information regarding a balance on my XXXX credit acct. For the past four months i have called, written and files disputes in which they have all been closed stating nothing will be changes. 

When i opened the acct my initial amt on credit was XXXX I have never missed any payments and all three reports show paid on time each month but they never change the balance due according to what XXXX say they are reporting. 

XXXX has told me they report my balance and i need to take it uo with the credit bureaus. I sent ceritfied disputes at minimum i have copies of all of them and on the credit bureau sites you can see mulitple closed cases on this under disputes. 

MY BALANCE IS XXXX XXXX NO PAYMENT DUE UNTIL XX/XX/2023 100 % ON TIME PAYMENTS MADE EACH MONTH

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26
Company: Mercedes Benz Financial Services
State: MO
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:
Every month for the last six months, Mercedes-Benz Financial Services continue to display inaccurate information onto my credit report at all tree Major Credit Reporting Agencies, intentionally. Enclosed is full complaint. Please read. 
Thank you ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
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 vehicle and have not received title. When I call to resolve issues they never help. Have sent documentation several times and no one there ever calls me or knows where it is

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Paypal Holdings, Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
This is the second time in a few weeks that Venmo does not let me transfer money without valid explanation nor a solution to fix the issue. They just say that my transfer is being declined due to security issues, even though I am " friend '' with the person to whom I send money. There is no way to resolve the issue according to the " chat agent ''. Basically the answer I keep getting is " if you cant transfer money with us try another means ''. 


Here is the answer from the supervisor below : XXXX XXXX ( Venmo ) XX/XX/2020, XXXX XXXX  XXXX Hey XXXX, My name is XXXX, one of the supervisors here in Venmo. 

I'm really sorry you weren't able to use your Venmo to pay XXXX today. If I were in your situation, I'd totally feel the same way. Im happy to share more information about this process as well as some steps you can take in this situation. 

All payments are reviewed, so there is no overall account status that I can adjust even as a supervisor, and there isnt a timeline I can provide. We, unfortunately, do not receive exact reasons for an internal risk decline. These declines are automated and in order to minimize risk, we are unable to override them. 

Similar to how your bank evaluates your credit card transactions, Venmo has a robust risk platform that takes many factors into account when reviewing transactions. In this case, the risk scoring process declined this transaction. 

You may try to make the payment again at a later time, but I can not guarantee it will work. You may also try a different payment method, which will be subject to the same internal reviews. 

I sincerely apologize for any inconvenience this may be causing, and wish there was more we could do to help! 

Best, XXXX XXXX | Venmo Support

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ; Capital One Cc : \ CFPB Since XX/XX/XXXX of the XXXX, I made a payment for the amount of {$25.00} based on a sales pitch sent by one of capital ones representatives that day I was going to pay an amount of {$150.00} but I they stated to do the letter. I then went ahead and made the {$25.00} payment later to come to find out if they have put my go to collections. I disputable multiple agents in one of the quarter that I was never in a structured payment plan with capital one which is false then later I received a letter theyre closed one of my accounts due to personal business decision they had made. Later the dispute was found that I was at fault for something I tried to pay in the beginning and that it was my fault for listening to the agent advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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: Information belongs to someone else

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate erroneous and Unverified inquiries in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-12-26
Company: SUN LOAN COMPANY INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX at XXXX I got an email from XXXX XXXX and XXXX XXXX. Both with the subject : ' A change to your Credit Report '. This alarmed me since I am trying to purchase a home and I am trying not to make any changes to my credit so it wont affect my score. This hard inquire was from Sun Loan XXXX. I had gotten a loan with them on XXXX and finished paying it on XX/XX/XXXX, that account was closed. I had my mother call different loan companies to get information ( closing times, average payment for certain amount, etc. ) Sun Loan Company was one of the companies my mother had called at XXXX during this call she emphasized the fact of how I didn't want my credit score to be run. They ran my credit with no authorization at XXXX, then called my mother at XXXX XXXX  telling her that they had run my credit and I qualified for the loan and that they had all the documents ready for me to just go sign. I was very upset and called the company to ask why they had run my credit with out my authorization. His response was that my mother had stated that the loan was urgent and I needed it and how he already had the paperwork ready for me. I mentioned how neither me nor my mother gave permission for this gentleman to run my credit but he kept repeating the same thing over and over again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : Capital One XXXX XXXX XXXX XXXX XX/XX/2019 etc I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I submitted a dispute with EQUIFAX to remove incorrect addresses from my credit report. The results of the dispute, dated XX/XX/2020 ( confirmation # XXXX ) were the addresses would be deleted. However, after viewing my report online ( XX/XX/2020 ) the  addresses are still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 

The letters are stated with items and issues. 

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 2022-07-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX  XXXX XXXX SHOULD NOT BE REPORTING ON MY CREDIT REPORT UNDER 15 U.S. CODE 1681e ( b ) and 15 U.S code 168 1 ( 5 ) this account in violation not reporting 100 accurate it list the child support court as the furnisher thats forgery and misleading when the courts don't report this type of account XXXX XXXXXXXX XXXX XXXX should not be listed on my credit report I've never did any business with that company i did not authorize this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 

XXXX XXXX XXXX XXXX {$140.00} XXXX  XXXX {$3800.00} XXXX XXXX XXXX {$1000.00} XXXX, XXXX XXXX {$140.00} XXXX  XXXX {$250.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$600.00} XXXX   XXXX {$31.00} XXXX XXXX {$31.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX {$8100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation