BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-25
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Santander consumer USA. Has been involved in a law suit and Illinois was involved. And it included me. Do to bad practice and 24 % interest rate on a made up credit score. And they sold me car gap insurance without my knowledge witch made my car payment XXXX $ a month A 5 year contract loan had the vehicle 4 1/2 years with a balance of XXXX. When original price was XXXX. Santanders aqreed to remove from my credit report and they have not. And also they aqreed for giveness loan and give me title to the vehicle that I already paid 3xs for it. My next step is filing a civil law suit with a attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, It's unfortunate that this debt KEEP popping up on my credit profile. I have advised that I was a victim of identity theft and it was removed! However once again it ha been added to my report and this is tarnishing my credit score. Please rectify this issue for once so I can move forward in life. I have attached the previous identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: TRUIST FINANCIAL CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
My ex wife and I purchased a car in XXXX of XXXX with poor credit. I traded in a XXXX XXXX XXXX and placed {$3000.00} down at XXXX XXXX XXXX. I have been paying the payment of {$450.00} every month. As of currently, 3 years later, I still owe XXXX. I originally was paying down XXXX. My loan is through Regional Acceptance and I have an interest rate of 18 %. I believe this is predatory lending.

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 2021-04-03
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Sent a certified letter to the company on XX/XX/XXXX, requesting a validation of debt. I received no response. After receiving a letter from an attorney around XX/XX/XXXX regarding XXXX XXXX, I faxed a second letter request verification of debt. I received no response from my letter, instead they send a letter to the clerk of court and a copy to me. This company has never verified this debt to me and now it sounds like they are threatening me with a court appearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
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:
On XX/XX/2021 I mailed an envelope containing a completed FTC Identity theft report, letter stating I am victim of identity theft also outlining the incorrect information, copy of social security number and copy of driver 's license. I sent these letters to TransUnion, XXXX and XXXX through certified mail. Tracking # XXXX XXXX XXXX XXXX XXXX for XXXX. XXXX XXXX XXXX XXXX XXXX for XXXX. Tracking # XXXX XXXX XXXX XXXX XXXX. They were delivered XX/XX/2021. The incorrect item on my credit report is a late payment by XXXX XXXX and a fraudulent account from XXXX XXXX. The date is XX/XX/2021 and the fraudulent item is still on my account and the late payment has not been correct. Per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. The account should have been blocked no later then 4 business days from XX/XX/2021.

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 2021-04-03
Company: BARCLAYS BANK DELAWARE
State: TX
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:
This is a follow up notification per the conversation I had with a Barclays representative from the Security department on Wednesday, XX/XX/XXXX @ XXXX XXXX CST where we identified that there had been fraudulent transactions in multiple locations and most appear to be outside of the continental United States. I now have conclusive evidence that there were multiple blatant, erratic and appear simultaneous charges all around the country/world in most of XX/XX/XXXX & XX/XX/XXXX. I see that the fraudulent international charges on my credit card have been corrected/credited however there are still two charges that were part of this fraud that were added to my current balance. 

I brought this to the attention again with a Barclays Account security/protection rep on XX/XX/XXXX at approximately XXXX XXXX  CST. These charges are appearing as foreign/international and appear to be in connection to the stolen Identity/Stolen U.S Passport crime that I reported swiftly to the United States Department of State with the DS. XXXX report. Please remove these charges from my balance as soon as possible in accordance with the FCBA since this blatant fraud was reported on XX/XX/XXXX. The evidence of the unusual transactions outside of my spending area is overwhelming. Please ensure that stricter policies are implemented to ensure this never happens. 

The two charges are as follows : 1. XXXX XXXX XXXX {$120.00} 2. XXXX XXXX XXXX XXXX {$330.00}

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 monetary relief
Consumer complaint received 2018-03-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 

I have attempted to resolve the issue directly with the respective parties, however, found that they were non-compliant as per the FCRA and CROA requirements

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 2021-03-01
Company: ALLY FINANCIAL INC.
State: RI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My complaint is against Ally Bank regarding a paid in full auto loan. ( attached ) I paid the auto loan off on XX/XX/XXXX. I am still waiting for my title and lien release. I was told it was mailed on XX/XX/XXXX. I have made several calls over the past week and I am getting different information from different representatives ( who by the way are " off-shore '' ). I have also received emails from Ally Bank ( attached ) telling me it was mailed. My latest phone call was this morning ( XX/XX/XXXX ). I was told it will be another 2-3 days. Today is 10 days since I paid in full. The {$4800.00} was withdrawn from my bank account on Monday, XX/XX/XXXX. I have a deposit on this automobile from a buyer who I told that the title was mailed on XX/XX/XXXX - as indicated in an email from Ally Bank. I am totally getting the run around from representatives " off-shore '', who I feel are just telling me what I want to hear.

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 2018-03-26
Company: Diversified Consultants, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid XXXX XXXX phone number XXXX address XXXX XXXX XXXX XXXX XXXX XXXX in XXXX FLORIDA {$450.00} to pay a XXXX bill to be removed from my credit then i received a letter from another company named Diversified Consultants saying that the bill had been reopened an i still owe {$450.00} when i paid the bill on my credit report the bill was removed an said paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I really cant give an exact date however I know on a few occasions I have either deposited or withdrawn money from an Wells Fargo atm and the money was either counted wrong or came out a shorter amount I have called before and it was nothing they could do for me

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 2020-10-10
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
From the first incident with them, they reduced my credit limit without communication at all. No mail, email, or XXXX XXXX drop off message ... Now they just closed my account without my knowledge ... That may cause an issue within my credit in midst of covid pandemic ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XXXX XXXX  Has Been Charging My Account For About 10 Months For A Membership I Have Not Even Been Able To Use

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 2019-02-07
Company: EQUIFAX, INC.
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 is missing that should be on the report

Complaint:
XXXX  Credit Reporting agency was granted injunctive relief to not report public records such as bankruptcy which has resulted in my credit report missing information and/or inaccurately reported information. Some accounts have been reported as charged off, included in bankruptcy filings, and/or other erroneous information. This injunctive relief is being requested XXXX XXXX XXXX to be lifted and will be submitted to the court of record ( s ) for the following reasons. 
Attached is the immediate credit report following the discharge of the Chapter XXXX Bankruptcy with all of my accounts being listed. Some information remains incorrect such as a co-borrower who was also discharged on the XXXX XXXX XXXX account. Some accounts that were revolving accounts and directly drafted from my bank account such a XXXX debt amount reported may be inaccurate or contain fees, etc as this was a line of credit. XXXX XXXX who previously stated that this debt was included in the Chapter XXXX Bankruptcy was not an actual debt included and the surrendered vehicle in the second XXXX account should have been offset by any sale as well as the trade-in ( s ) after lease agreements expired, etc. 
Given the fact that this is the closest to accurate credit report and the only report that is supported by a Chapter Bankruptcy order, with no order in XXXX, the default order in XXXX will be requested by consumer XXXX XXXX XXXX to govern her credit history and the request will include indefinite reporting of all credit history to alleviate misinformation to the public and potential creditors. Equifax has not released a free credit report as it pertains to XXXX XXXX XXXX in two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
On XX/XX/2017 Hon. XXXX XXXX XXXX wrote three orders on a stipulated settlement with XXXX XXXX. The order were as follows : 1. XXXX XXXX was ordered to issue me a document to reflect a zero balance and that the debt was satisfied. 
2. XXXX XXXX was to take all necessary steps to delete the account from my credit reports. 
3. XXXX XXXX was to do no further reporting of this account to the credit reporting agencies. 

XXXX XXXX continues to violate this court order by reporting and updating the account to Equifax monthly. Equifax has the court order in their files and continues to accept and report this account against the court order. 

It was my position that I owed XXXX No Money. I had no contract with XXXX XXXX and they're constant overcharges would have cleared any balance owed. I agreed to settle because the XXXX attorney was facing contempt of court charges for failing to comply with 2 subpoenas to furnish my bills to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate, and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. I have received a response from XXXX on their full investigation and they corrected all inaccurate information and removed all personal information. However, I have a few questions : How do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, just to underline a few laws under FCRA you violated : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( I ) I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of account below has violated me federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

Please remove all inaccurate personal information and inaccurate accounts, everything that is highlighted is either inaccurate information or violating my FCRA rights. I will attach copies of XXXX response and my last credit report to prove the information for XXXX and Experian has not changed and they are continuing to violate my rights as a consumer.

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 2018-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Greetings, I have initiated a multiple disputes with Trans Union over the past few months to remove unauthorized Inquiries and addresses they have failed to fully validated that I initiated. It has been well over the 30 days given for Trans Union to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to Trans Union including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized Inquiries belongs to me aswell. Below are the reporting Inquiries and addresses that should be Removed / Deleted from my Trans Union credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX XXXX - Date Filed :XX/XX/XXXX 3 ) XXXX XXXX   XXXX - Date Filed : XX/XX/XXXX 4 ) XXXX - Date Filed : XX/XX/XXXX 5 ) XXXX XXXX - Date Filed : XX/XX/XXXX 6 ) XXXX - Date Filed : XX/XX/XXXX 6 ) XXXX XXXX - Date Filed : XX/XX/XXXX Reporting Address : XXXX XXXX XXXX XXXX, MI XXXX Trans Union Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX # XXXX XXXX, PA. XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXXr , XXXX  XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/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