BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-18
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
When I bought this car *XXXX  years old, 36 hours of work a week at {$9.00} an hour. I got approved for a car that was worth {$15000.00} for {$23000.00}. The vehicle I had bought from them broke down and due to lemon law ( I put almost 3,000 dollars into it myself in a month ) I took it back and they should of taken it back. They knew they sold me a lemon and refused to deal with me. Now I have a loan for {$23000.00} with 18.9 % interest and I do not have GAP or any warranties. Being that flipped I should have been FORCED to get gap, but no they gave me a wheel and tire warranty instead and I had no idea. I signed the papers because I desperately needed a car for work, I was in their office for 7 HOURS and Santander Consumer USA approved the loan. Now I didn't give them any income verification ... I've asked them for EVERYTHING that has my name on it, from income verification, contracts etc. They will only give me my contract and they question me on the phone about why I need it. I shouldn't have to answer that, give me what I requested. Now I'm not able to afford it along with my other debts and I'm tetering against Financial Bankruptcy at XXXX years old or letting my car get voluntary repossessed and losing my job because of no car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Every year I order a free credit report from Equifax, XXXX and XXXX. This year, I telephoned in my order to all 3 on XX/XX/XXXX. I received the requested reports on XX/XX/XXXX from XXXX, on XX/XX/XXXX from XXXX - but none from Equifax. On XX/XX/XXXX I made another request to Equifax. As of today, XX/XX/XXXX. I still have not had any response. Neither have I been able to find any other way to reach Equifax. In about XXXX I received a notice from them that my information had been accessed with that of many, many others when the Equifax database suffered a mass hacking, In mid-XXXX I had my first ever fraudulent charge on my XXXX XXXX account. Over the years my Equifax report has each year shown that I once lived in XXXX, N.J. I always notified them that I never lived there and they always responded that the address had been " recently reported, '' thereby taking no action to investigate. Now that I am somewhat more knowledgeable about using the Internet, I entered my full name complete with my middle initial ( I always use my middle initial ). I have found that there are more than 60 people with my first and last name in New Jersey, at least XXXX  of which lives in XXXX - or in XXXX, right next door to XXXX. My entry on the XXXX has whole lot of people also listed as being connected with me- only XXXX of whom is actually connected with me. I am XXXX years old. I am XXXX. I was born in XXXX, N.J. I have never been married or used another name or lived anywhere but in New Jersey. I believe Equifax has me confused with another person of my name. Perhaps that person has died and that death may have been posted to my credit report. If any organization seeks to access my credit record with Equifax they may get the response that I have died or that someone is impersonating me and attempting to perpetrate some type of fraud. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 I filed a complaint very much similar to this same complaint with this exact company wth exact amount and account number. I requested debt validation and to have this removed from my credit file untl futher notice or the amount alleged that is owed was paid. On XX/XX/2018 the company responded with the following statement " The matter has been placed in a properly disouted status along with credit reporting bureaus. We have requested from our client XXXX, the itemized Bill and Signed Admission Form for consumers review. '' Subsequently the item was removed from my credit file as per my request. On XX/XX/2018 The item has been once again added to my credit file which has caused my credit score to drop significantly which displeases me tremendously. First I thought the companies wording " The matter has been placed in a properly disputed status ... '' was a play on words. There was never any intention of verifying this debt with me and it was simply a bid for additional time to once again add it to my credit file I have attached a copy of the previous complaint dated XXXX, XXXX Complaint # XXXX Under the circumstances I now am requesting this entire file be deleted from my all reporting credit reporting bureaus and closed. If not I will be forced to contact an attorney for violation of FDCRA. I was told I would receive information regarding this debt and I have NOT. I was told it would be removed from my credit file and it has NOT. I am now saying that this will be my last request that I process for FREE. Any additional complaints will be charged to Ability Recovery Services at a rate of no less than {$120.00} per hour with a mininum of 1 hour or {$120.00} charge. 

At this point I am NOT requesting for verification, I am demanding a Total Deletion.

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 2018-09-11
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: Old information reappears or never goes away

Complaint:
Ive tried contacting Transunion to remove an old utility bill XXXX from XX/XX/2010 that does not supposed to appear after 7 years & they refuse to remove 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 2021-07-09
Company: EQUIFAX, 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:
THESE ARE FRAUDULENT ACCOUNTS. PLEASE REMOVE THESE FRAUUDLENT ACCOUNTS FROM MY CREDIT PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Experian Information Solutions Inc.
State: NC
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:
I have no idea about these accounts. I disputed them to the credit bureaus and didn't get any response at all. XXXX XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX  Account # : 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 2021-02-21
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. Please help me. 

XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Notice of Dispute Pursuant to Section 611 ( a ) of the Fair Credit Reporting Act & Section 168 of FCRA the following item listed below does NOT match my records nor the Credit Bureaus records. Under this same Act this information must be DELETED at once from my Credit Report.

I recently obtained a copy of my consumer credit report from your Bureau and hereby dispute the completeness and accuracy of the following information. I demand that your Bureau correct this information immediately. The information I am disputing is as follows : The Bankruptcy is being reporting incorrectly. Your Agency is reporting a Chapter ( XXXX ) Bankruptcy. That is incorrect and should be Deleted Immediately. 
Under Section 168 of the FCRA this info does NOT match the records of both your Credit Agency and my own Files. Therefore, this item must be deleted under law. 

Furthermore, the bankruptcy was removed from the other agencies due to the information received from XXXX XXXX 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 explanation
Consumer complaint received 2018-06-23
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried Disputing over 3 times ... Account came back Verified But Nothing Else!! No Agreement or Contract that I Agreed too. No Signature or Anything!!!! Im Asking to Please Delete Immediately!!!! This Collection is Messing up my Credit Badly ... I thought they had to Prove to me which they Have Not Done so what so ever.. Please Delete they have Yet to send in Any Paperwork just Verified

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 2021-07-09
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian is reporting a student loan account from XXXX that was originated in XXXX. I have repeatedly requested verification that the account is mine - a signed contract, a promissory note, ANYTHING. I have disputed this account four times and every time get the standard " Verified '' from Experian without the method of verification I requested, without supporting documents, and without a human being reaching out to me. Both XXXX  and XXXX  did their due diligence and deleted the account - I sent Experian proof of this in XX/XX/XXXX and requested they follow suit. They once again ignored this request and auto-verified the account without requesting any proof from XXXX. I NEVER put my signature on a promissory note for an account from XXXX. I challenge Experian to provide ONE shred of evidence that this is my account. If they ignore this fourth attempt to remove this error my only other recourse is a lawsuit in which the discovery phase will require they provide said proof. Experian holds a lot of power over consumers and it is their duty to contact data furnishers like XXXX to validate my claim that this is not my account. Please provide me evidence or delete as this account is highly injurious.

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 2020-07-07
Company: EQUIFAX, INC.
State: UT
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:
These are not my accounts, nor did I authorize these companies to pull my credit. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: JPMORGAN CHASE & CO.
State: NY
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:
On XX/XX/XXXX I applied for a Chase Credit Card while booking a flight on XXXX XXXX. They had very large and bright advertising stating EARN XXXX points when you spend {$2000.00} in the first 3 months. {$69.00} fee applied to your first statement. APPLY NOW. I applied and booked my flight using that new credit card, which it also advertised .. you can use your card for this flight. 
When I got my first statement from Chase, it showed a {$200.00} credit on my flight. Months later I saw a XXXX point transfer to my rapid rewards. 
In XXXX, I called to question the XXXX points and was told it could take up to 3 months to show. 
When I still did not see it in XXXX, I called again and was told that MY offer was a {$200.00} credit and XXXX points. Since that is not what I applied for, the service rep said he would write it up and send it to the marketing team. 
On XX/XX/XXXX I received a letter from Card member Service stating information that I was requesting a new enrollment bonus offer of XXXX points but it was not available on my credit card. Nothing about the fact I felt they advertised one thing and gave me a lesser thing. 
I figured I was not the only person this happened to and looked it up on the internet and found this exact thing had happened to several other customers. Several complaints about the advertised XXXX points and then only getting XXXX points and a {$200.00} credit. 
I called Chase XXXX XXXX XXXX again today XX/XX/XXXX and the representative said she would submit to the marketing team a request for XXXX points, which was the offer available right now but that the {$200.00} credited would need to be recharged to the card. I agreed to that because I'm not looking for extra. I'm looking for the XXXX points and was willing to compromise with XXXX. 
I asked the representative why marketing would give me the XXXX points this time as opposed to rejecting the last request and she said they may not, this is just a request. 
I feel like in a week I'll get another letter stating they are not honoring the original offer but just do this back and forth until the consumers tire and give up. 

I told the rep I was going to file an attorney general complaint but wanted to give them an opportunity to make it right first and she said all she could do was submit a request again to marketing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: IN
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 called equifax on XX/XX/XXXX @ XXXX. I spoke with XXXX she informed me that equifax does not do proper investigations into reports. they do not follow the FCRA procdures to accuretly report on a consumer. They have no premissble purpose to furnish my personaal information. they are using my consumer informtaion for thier own personal gain. They are getting paid off the advertisty they have put me in by sending false credit scores which is hindering my ability to take care of my children. Equifax is reporting experiences on my consumer report which is not allowed. Equifax has never wriiten me or asked if anything they put n my consumer report is accurate or valid. Equifax contuines to hinder my ability to live a better life making me have to work harder, and more hours away from kids. Equifax is in many violations. And i want Acct # XXXX, Acct # XXXX and Acct # XXXX removed from my consumer account. I want confirmation sent to me that it has been deleted seeing how it was never properly investigated nor was it validate nor did they provide me with the information of how they validated according to FCRA and congress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: PLS GROUP, INC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I went into the location located on XXXX XXXX XXXX and {$1100.00} was stolen from me by PLS store manager XXXX XXXX located at the XXXX XXXX XXXX XXXX store. She refused to reverse the transaction. My bill due was for the amount of {$190.00}. She charged my card for that amount then charged it again for {$1100.00} ( which was the majority of my entire check ) I have hardly any money now she also claimed that nothing would be done about it until Monday. Which is devastating since it took her only a couple seconds to steal from me. and no one from her department has tried to reach out to me or assist me in refunding me my money she stole. The store manager also claimed that this was done in error but my intuition is telling me she has a history double charging people 's cards. If this was done in error, how come PLS refuses to refund me my money back. This took place XX/XX/2018 around XXXX XXXX  central standard time. I will be filing a police report .All I want is my {$1100.00} back that was stolen from me. The {$1100.00} was the majority of my scheduled paycheck that I receive every two weeks from my job. I have little to no money since Friday XX/XX/XXXX and I have bills that are due and small mouths to feed and an ill mother that I support I did not authorize that transaction. I don't understand why PLS won't give me back my money. I paid my bill on time which again ; was only in the amount of XXXX. And they still snatched money from my account that I did not authorize. I also will be reporting PLS to the Federal Trade Commission for poor and fraudulent business practices. PLEASE NEVER GET A LOAN FROM THESE THIEVES.

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 2021-07-09
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Approximately around XXXX or XXXX of XXXX I noticed a debt collection from Convergent for XXXX XXXX in the amount of {$290.00}. The account open date on the credit report is XX/XX/XXXX. I dispute this item with all three credit bureaus on XX/XX/XXXX and the dispute was returned verified, however the requested copies of my wet signature for this account was not received from the verification of this account. In addition, the date the account was opened I was no longer living in the area that XXXX XXXX services. 

On XX/XX/XXXX I sent a certified letter to the collection agency. The collection agency received the letter on XX/XX/XXXX and I have yet to receive a reply from them. All documents will be attached. 

Thank you advance for your prompt assistance and attention in 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 explanation
Consumer complaint received 2016-02-25
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
This company has contacted people whom I have never given them the number for including coworkers and old high school friends. They have called my work phone more than 5 times in a day and contacted my Human Resources ( who sent me an email ). I work for XXXX so they are continuing to harass me after through large departments who they again were never given the pone number to. I have never received a call or letter at my home so they have not attempted to call or contact me directly. They are causing XXXX on me and at this time I am not in a place to deal with more than what is already surrounding me. They are XXXX the people they are contacting ( XXXX is over XXXX years old ) and making them think there is something detrimental to my well being.

Company response to consumer: Closed
Consumer complaint received 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Called creditor also called TransUnion Credit Reporting company without any success.I have over 30 something inquiries that I didn't not authorized from

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 2021-07-09
Company: TRUIST FINANCIAL CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been hit with over XXXX in NSF/Return check Fees. I have a lot of my payments coming out automatically via ACH or via debit card. It has becoming a recurring process, that causes me to continually be overdrawn. This has been going for at least several months. I tried to be proactive and lock me card and payments still came out. I think the fees are extremely excessive. I called the bank on XXXX to get assistance with getting the fees refunded, they only refunded one fee. I appreciated the efforts of the agent, but this solution was ridiculous.

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