BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-20
Company: Santander Consumer USA Holdings Inc.
State: OK
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:
At the end of XXXX, Santander consumer USA repossessed my car. During this time, I have made effortless tries to try to get my car back from Santander. Every time I would call I would get a different quote or something completely different from what I was told by another representative. I have made several attempts and Still no luck. I have no idea where my car was taken too, I was never told where I could pick up my belongings, I was never notified of anything regarding the car. I know I have a right to know where the car is and at least get my belongings. I have confidential information and belongings in that car and still, Santander refuses to release information or at least my property. As a consumer, I have rights that were abused and not respected by this company. It has been a stressful process with no help. I have called multiple times with solutions and trying to come to a compromise or at least a solution. I have tried to work with Santander and have had no luck. It is XXXX and I still do n't know about my car or my belongings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My client I work for asked me to answer a call from XXXX to verify her Venmo! I trusted her and answered the call, the man had me on the phone over an hour and had me do a fake transfer to my clients venmo, meanwhile asked me to download an app that I assume give him complete access to all my apps on my cell phone! He withdrew {$1200.00} and left me with {$74.00} to my name! I knew something wasnt right the whole time but I trusted my client and assumed this was a legit call! My I opened a fraud case with my bank and they assured me theyd get my money back to me! Well they denied my claim! Id never give a stranger that kind of money or any kind of money! Im a single mom and now I cant even afford my bills! Not to mention the XXXX thats set in due to being so harshly scammed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-09-09
Company: EQUIFAX, INC.
State: TX
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 have attempted to dispute XXXX XXXX reporting of XXXX XXXX XXXX accounts as recently as XX/XX/XXXX with XXXX repeatedly refusing to open the FCRA dispute. XXXX XXXX XXXX is reporting the wrong amounts and wrong dates to XXXX by their own admission to Consumer Finance Protection Bureau ( please see attached ) in ongoing efforts to extend the duration of irreparable to my credit report and rating score. The accounts were open in XXXX and XXXX respectively but are noted as XXXX. I do not have a contract with XXXX XXXX XXXX and these accounts are not in an open status. XXXX   should immediately delete the false and inaccurate reports being nade by XXXX XXXX XXXX. XXXX should appropriately reage my credit score. Also, I am victim of a natural disaster and XXXX  has refused to update the report as such. 

XXXX XXXX XXXX statement on XX/XX/XXXX. 
" Business records provided to us by XXXX XXXX XXXX ( XXXX ), XXXX. ( XXXX XXXX ) reflect that on or about XX/XX/XXXX, XXXX XXXX opened a MasterCard credit card account ending in XXXX for XXXX XXXX XXXX whose social security number ends in XXXX. Those records further reflect that a contract was formed when the account was used and that a balance of {$460.00} was due on the account when we purchased that account and its contract from XXXX XXXX on or about XX/XX/XXXX, together with the right to receive payment of the balance due. XXXX sent its initial notification letter regarding this account to you on or about XX/XX/XXXX, XXXX Business records also provided to us by XXXX  XXXX reflect that on or about XX/XX/XXXX, XXXX XXXX opened a MasterCard credit card account ending in XXXX for XXXX XXXX XXXX whose social security number ends in XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
on XXXX the XXXX someone withdrew XXXX dollers on my unemployment card the got my info somehow and stole my card info and becuase bank of America does not protect there unemployment people very well and so i filed a claim with them to get my money back the sent me a new card when i went to activate it said account froze its been two months and still dont have my card unfroze i have sent my verifaction to unemployment and and still nothing eveeytime i call unemployment or bank of america its somthing diffrent everytime its hust back and forth this is crazy i need my money im so far behind on bills rent and barrowed from family just to get the little things we need i have thousands of dollers on my card and cant even access my account to pay anything this is such a hardship we are already in a pandimic facing hardship then for them to hold my money is not ok i cant even go look for work becuse im dealing with a sick child on and out of the doctors all the time please i beg for help with getting my accvpunt going again please please and also is 5here a class action lawsuit i can do if u could please get bavk to me at XXXX again my name is XXXX XXXX from XXXX XXXX nv

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 2020-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I pulled my TransUnion credit report and XXXX XXXX  XXXX was reporting a account number consisting of 12 digits which I knew was inaccurate. So I eventually disputed the account XX/XX/XXXX and the account was verified on XX/XX/XXXX. However, I noticed that the account number was changed from 12 digits to 16 digits. In XX/XX/XXXX, I sent a notarized dispute letter to TransUnion pointing out the discrepancies and inaccuracies regarding the disputed account because I do not have a contract for such account number. I also warned them that if they did not properly investigate my dispute that I would be filing a complaint with the Consumer Financial Protection Bureau. On XX/XX/XXXX, TransUnion completely disregarded my dispute and just sent the same generic computerized verification response as they did my first dispute. Due to TransUnion failure to properly investigate my dispute and removing the inaccurate account, it's causing a unwarranted derogatory status to reflect on my report which is having a negative affect on my credit report score.

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 2023-02-16
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: Account status incorrect

Complaint:
XXXX violated the cardmember agreement by refusing to allow me to make payments on my account. I am currently engaged with XXXX in arbitration over the matter. Despite this, XXXX has reported my account as delinquent.

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 2021-03-02
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Amex has decrease my credit card limit from XXXX to XXXX without an adverse notice regarding the promotion. 

There are two main federal laws governing adverse actions in the world of credit : the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ). 

To put it simply, the FCRA covers consumer transactions. It requires lenders to give you a notice if negative credit information was the basis of the adverse action. 

The XXXX covers both consumers and businesses. It requires lenders to describe the specific reasons why the adverse action was taken. 

Heres how it breaks down : The FCRA requires lenders to say that negative information was the cause of any adverse action. 

The XXXX requires lenders to provide specific reasons why adverse action was taken against you in that notice. 
The FCRA covers applications for credit, like credit cards, along with other types of applications like employment and government license. 

The XXXX covers applications for credit as well, along with requests for credit limit increases on existing accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Experian Information Solutions Inc.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. ALL OF THESE ACCOUNTS ARE FRAUD AT ITS GREATEST

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 2020-01-29
Company: ALLY FINANCIAL INC.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Trying to set up bill payment to pay for utilities and credit card balance. Every time I try to do that, the Ally bank website won't load and pulls up a blank page. I escalated over 3 calls and multiple chat sessions and no one is able to resolve the issue. I was told this is a 'known issue ' and they are looking into it. No one is following up or reaching out even though my bill is coming due.

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 2020-09-09
Company: Blitt and Gaines, P.C.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Second complaint against the company. Garnishment for around XXXX on a bogus debt, agreed to stop the garnishment a month ago and I am still being garnished. Representative from Blitt and Gaines claims they have two other accounts of mine assigned to them and that they are using the one garnishment to pay all 3. I do not know what possible other accounts they have of mine but there is no garnishment orders for the other two and they have not validated these also. They completely lied to you in response to the first complaint. AS you see the attached shows the amount that has been garnished to this point is almost XXXX dollars more than the court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have attempted to dispute XXXX XXXX reporting of XXXX XXXX XXXX accounts as recently as XX/XX/XXXX with XXXX repeatedly refusing to open the FCRA dispute. XXXX XXXX XXXX is reporting the wrong amounts and wrong dates to XXXX by their own admission to Consumer Finance Protection Bureau ( please see attached ) in ongoing efforts to extend the duration of irreparable to my credit report and rating score. The accounts were open in XXXX and XXXX respectively but are noted as XXXX. I do not have a contract with XXXX XXXX XXXX and these accounts are not in an open status. XXXX   should immediately delete the false and inaccurate reports being nade by XXXX XXXX XXXX. XXXX  should appropriately reage my credit score. Also, I am victim of a natural disaster and XXXX has refused to update the report as such. 

XXXX XXXX XXXX statement on XX/XX/XXXX. 
" Business records provided to us by XXXX XXXX XXXX ( XXXX ), XXXX. XXXX XXXX XXXX ) reflect that on or about XX/XX/XXXX, XXXX XXXX opened a MasterCard credit card account ending in XXXX for XXXX XXXX XXXX whose social security number ends in XXXX. Those records further reflect that a contract was formed when the account was used and that a balance of {$460.00} was due on the account when we purchased that account and its contract from XXXX XXXX on or about XX/XX/XXXX, together with the right to receive payment of the balance due. XXXX sent its initial notification letter regarding this account to you on or about XX/XX/XXXX, XXXX Business records also provided to us by XXXX XXXX reflect that on or about XX/XX/XXXX, XXXX XXXX opened a MasterCard credit card account ending in XXXX for XXXX XXXX XXXX whose social security number ends in 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 2021-03-02
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Auto Loan XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX ( XXXX ) XXXX Auto Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never lived there FCRA violations

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Would you please provide to me this information regarding my mortgage.

What date do my mortgage has been sold to you and what was the balance that has been transferred to you. please break down the balance of my mortgage into two balances.

1. Deferred principle {$280000.00}. who you purchased from or transferred from.

please provide to me a full name of seller or transferee, also provide to me the dates of those transactions.

2. interest bearing principle {$41000.00}. Who you purchased from or transferred from.

please provide to me a full name and Address of the seller or transferee., also provide to me the dates of all transactions.

3. please provide me the audit or verification those balances mentioned the above done by the clearing houses.

4. please specify if these balances has been transferred as one or seperate dates and transactions.

5. please provide all the assignments in my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
It all started on XX/XX/XXXX when I noticed that Coinbase inc. withdrew {$500.00} on XX/XX/XXXX out of my bank account without my authorization. The worst part is, they withdrew the money, but not deposited it into my coinbase account. So basically they took money out without my permission and deposited it somewhere else. I already opened a fraud case with my Bank so they can look into refunding my account. I contacted coinbase immediately on XX/XX/XXXX and opened a case, case # XXXX. I immediately received a response that my account was locked and to follow a few steps to unlock it. I followed the steps and sent them a follow up email saying it was completed. I do not understand why they locked my coinbase account when my bank account was withdrawn not my coinbase account. Anyways, that was the last I heard from them. I sent 3 emails on XX/XX/XXXX, 2 email on XX/XX/XXXX. I opened up another ticket with them on XX/XX/XXXX thinking I can get an answer. On XX/XX/XXXX I received an email saying my cases were consolidated to case # XXXX and an agent will reach out to me in 4 to 5 business days after review of the case. The 5 business days came and are now long gone and I am yet to hear back. As a courtesy before I filed this complaint, I emailed them one last time on XX/XX/XXXX asking for status. Still no response. Unfortunately this is the only way to communicate with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I sent a wire transfer of {$3400.00}. dollars from my bank XXXX XXXX XXXX XXXX in New York to a Bank of AmericaI account in XXXX XXXX Texas. I was lead to believe by sending the money, to a legitimate Bank of America account, I was safe from fraud. Sending the money meant, I was basically signing a lease agreement for the apartment. I received the banking account information from the person I believed I was renting the apartment from. I was not informed by my bank that wire transfers were not protected from fraud nor did I think that someone could have a fake account with an actual bank in the USA. The person on the receiving  end used stolen information to illegally make a bank account with Bank of America in order to receive funds, which I didnt know was possible considering all the identification checks they do when opening an account. By the time I was supposed to move in to the apartment, a month had already gone by. When I realized I was scammed I filed a police report and the police indicated that the funds had already been withdrawn and the account was closed. Bank of America claims they are not liable to refund me my money. And my bank, XXXX XXXX XXXX XXXX is not doing much to help me get my money back. I was scammed and robbed of {$3400.00} dollars, which is fraud and a federal offense. Due to the circumstances of COVID-19 red flags werent raised when I did not meet this person face to face.

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 2022-11-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation