BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-02
Company: SANTANDER HOLDINGS USA, INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Hello, I purchased a car after my bankruptcy from a dealership in XXXX maryland and the finance guy did everything he could to get me a loan through santander. My interest was very high and I needed a car to go to work so I got the car back in XX/XX/XXXX. While I was working I paid my monthly payments for two years almost and lost my job on XX/XX/XXXX. The car was {$32000.00} I paid {$5000.00} down payment which I had at the time. I tried finding other jobs and I had several jobs I worked since then. Still paid my car note even though I was struggling with it. Finally I lost my job again and havent been able to make payments from XX/XX/XXXX until XX/XX/XXXX which the car was repossessed through santander. I would like to know if I have any rights due to santander applying my loan back in XXXX even though I was a high risk customer just coming out of a bankruptcy. The car was repod on XX/XX/XXXX and stander would not let me pay the missed payments saying I have to pay the whole amount which is now {$20000.00} after making payments of {$560.00} for two years. Most of the monthly payments of course went into interest only and a little amount to principal. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: NJ
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:
XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: LoanCare, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter in XX/XX/XXXX from XXXX. The letter stated an escrow refund check they sent was never cashed. The letter provided instructions on how to proceed in receiving a new check. I followed the instructions and emailed a copy of the form they requested I fill out. I completed this on XX/XX/XXXX. The letter stated a new check would be issued within 7-10 business days of my form being submitted to XXXX. I have not received a replacement check. I called this morning and was informed that because of the high amount of outstanding escrow checks, over 60,000, it would now take 6-8 weeks for me to receive a replacement check. The lady I spoke with could not even tell me if they had received by completed form. The letter I received indicated the check was issued on XX/XX/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 explanation
Consumer complaint received 2023-01-03
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 is incorrect information reporting as my addresses and name on my credit report, I like to have removed as soon as possible. I am attaching my driver license for verification of identity. My name is only spelled one way so the only name that should be in my report is ; XXXX XXXX and the only address that should be on my report is ; XXXX XXXX XXXX XXXX, Georgia 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 2021-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-09-10
Company: Experian Information Solutions Inc.
State: MD
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2018-09-29
Company: Nelnet, Inc.
State: MD
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:
NELNET, former loan servicer, who transferred my student loan to XXXX XXXX before my loan entered repayment, i.e. no payment was ever owed NELNET ; no payment was ever made to NELNET. In clear violation of federal law expressly prohibiting duplicate reporting of loans ( including student loans ) within the borrower 's credit reports, NELNET continues to duplicate report ( same student loan for {$20000.00}, reported by XXXX XXXX, the current and only servicer to whom payments were owed ). NELNET 's per se unlawful explanation for NELNET 's continued unlawful duplicate student loan reporting is " loan history '' which argument is fictitious/illegal-self-serving because National Student Loan Data System, NSLDS, is the sole student loan system recognized as " authoritative '' for student loans history reporting. In fact, NELNET is merely actually using their unlawful student loan tradeline report for illegal monetary gain by sale of said unlawful tradeline. PRIOR NOTICE : XXXX has received numerous requests from me to permanently remove NELNET 's per se unlawful duplicate student loan report from my XXXX credit report ( hereby I incorporate my prior Consumer Financial Protection Bureau, CFPB report number XXXX dated XXXX XX/XX/2018 in full with all attachments by reference ). If XXXX does not promptly ( within 10 business days ) permanently remove NELNET 's per se unlawful NELNET duplicate student loan report report, I will have no further option but to bring both NELNET and XXXX  to federal district court to answer charges of unlawful fraudulent student loan reporting extortion. NELNET and XXXX  have received written notice numerous times without corrective deletion of said unlawful duplicate student loan report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-09-29
Company: Conn's, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/XXXX I purchased from XXXX XXXX XXXX a XXXX washer, dryer-dishwasher and upright vacuum total price {$3200.00} not including finance charges on my loan. Having not missed any payments on this loan since I purchased these appliances I have had my washer repaired twice for the same reason and my dish washer has broken down twice within a year this last time was on XX/XX/XXXX I have spoken with the service people who always make me wait at least a week or more to have someone come out and repair my appliances always for the same reasons, I have asked that they replace these defected appliances. They tell me they will only repair them or to call the manufacture, I should not have to pay for defected products that are suppose to be new. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX, XXXX XXXX XXXX, KS XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXXBalance : {$12000.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$8700.00}, XXXX XXXX XXXXXXXX : {$14000.00}, XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXXXXXX : {$14000.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  Balance : {$17000.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$25000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired onXXXX XXXX, XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXXInquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on 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 2022-03-24
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have tried to withdraw my money from Truist bank but they refuse to let me due to them saying my account is under a review for a extended period of time. They won't provide me with any information to why my account is under review and blocked.

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 2019-03-06
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I have a CitiBank Citicard XXXX XXXX credit card. 
I paid off my balance of {$4300.00} on XX/XX/2019. 
Citicard accepted payment and my balance moving forward was {$0.00} Citicard send their reports to the Credit Bureaus on the XXXX of each month but did not report my XXXX payment and {$0.00} balance to the Bureaus on the XXXX XXXX. 
So as a consequence my credit report still shows an outstanding balance of, now, {$4500.00} and my credit has dropped to XXXX and is dropping 10 points a day because this large balance is showing unpaid. The last time Citicard reported my payment was XX/XX/2019. 
I have called them daily asking to get this resolved and have been disconnected multiple times. I have spoken with supervisors and they tell me to send a fax to Citibank Credit Resolution service explaining the situation. They will then try and resolve the problem with 7 - 10 days. 
If I am forced to wait that long my Credit rating will be below 600. 
I am trying to buy a car for my work at present and can not qualify for anything as my credit is not good enough due to this issue.

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 2018-12-14
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX, is reporting on my credit in collections. According to the credit bureaus and on XXXX XXXX they have been making fraudulent payments on this account for {$1.00} randomly from time to time. These are payments Im not making. What they are doing is illegal and i know my rights. I called and asked for debt verification and a representative that was rude and nasty refused to send me proof this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
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:
On XXXX I re-submitted a complaint I am no longer contesting the account, I wanted the procedure used in determining their practices. 

They said they investigated. I am deeply disappointed in their practices. 

I am a former XXXX player with bouts of XXXX XXXX and XXXX with XXXX issues derived from years of dealing with XXXX  related issues. 

I get bouts of XXXX XXXX that can pop in to creates gaps of time. I do not recall accounts that this company stated that they had about me. I simply asked for the method used to determine if I had a bankruptcy along with the other items that was on my credit, because I did have an identity theft is situation. 

I can not guarantee that I didn't have the accounts that they stated is accurate so that is why I wrote the bankruptcy court and asked them did they release to any third parties like the credit bureaus if they released my name ... they said they did not release my name to any third parties, which has created some XXXX. 

I am going to speak with my XXXX  about this issue because I am in the XXXX lawsuit with the 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 2019-03-06
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied American express Delta platinum card in XXXX, 2018, for a promotional offer of earning XXXX miles after spending {$3000.00} in 90 days. At the time of application, I did not have this card previously which according to the terms would disqualify the promotional offer. During the application process there was also no pop up window indicating that I am not eligible for the promotion, which I believe is a system that Amex put in place in the past year to let applicants know if they are eligible before deciding to apply.

I met the spending requirements in less than 90 days but did not find the promotional miles posted to my account. After I called Amex I was told that the bonus was denied. The reason they gave me was very vague, just that they have an internal algorithm that makes decision based on account opening and closing history. I went ahead to ask what is the specific criteria but the agent does not seem to know nor willing to discuss. I asked to speak with a supervisor and got the same response. They basically said there is no explicit rules for customers to know if they are eligible, it is completely up to Amex to deny whoever they think should not be given the bonus.

I then asked them when is the decision to reject being made, which they won't gave answer. I also asked if they decide to deny the bonus, why the decision was never communicated to me in any way, because then I can choose to close the account and not paying the {$190.00} annual fee. Promotional bonus offer is one of the important factor to open a credit card, and if that is denied the customer should at least be notified and be given the option to cancel before the annual fee is due. Amex refuse to engage on this question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX XXXX XXXX as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-16
Company: HSBC NORTH AMERICA 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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX, on XX/XX/XXXX, XXXX XXXX/XXXX  ( the report does not include information about the creditor ) and on XX/XX/XXXX, HSBC BANK USA XXXX ( the report does not include information about the creditor ) add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation