BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a used vehicle on XXXX XX/XX/XXXX. XXXX XXXX XXXX with very low mileage. I had to wait to get the vehicle for approximately 2 weeks while a new engine was installed. At this time I had signed a bunch of paperwork and I was pleased with the service that I got from the dealer. Unfortunately, I may have been given the information about the lender ( contact information ) how who and how to contact the lender. 
I when XXXX  for 90 days of XXXX. I did not take my cell phone overseas for security reason. 
I returned in country around XXXX XXXX and almost immediately had to have XXXX to repair XXXX   XXXX? Soon after returning the vehicle was repossessed later night on XXXX XX/XX/XXXX. Going thru on excessive mail I found some mail from Santander Consumer. I created an account with them and logged in. Their site said that I owed {$1500.00}. I immediately tried to call them, offices were closed until XXXX CST. I called Santander at XXXX XXXX. After going thru their phone prompts I was connected with their representative. After providing with my information< I was informed that once the vehicle was repossessed that only option I had was to pay off the entire {$13000.00} and they would send me the title. At this point I explained my situation and that I had made the due account on their website. I was told that there were no other options except paying off the entire amount due and getting the title. I explained that I paid what their website was due and their reply was " who told you to make the payment? '' I related that their website did. I was told to stop the payment, I was unable to and my bank related that they would have to refund the money. I called back was informed that they would not return my funds and that it would be applied to the due amount. This made my account up to date and has a amount and due date for my next payment on XXXX XXXX! No way to resolve the repossession, no return of my funds and that I am basically XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: T.S. Holdings
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 1. 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impat the accuracy of my credit report. 2. 15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies. 3. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed. I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report. Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. I kindly request that you conduct a thorough investigation into these fraudulent accounts and promptly remove them from my credit report. These accounts do not belong to me, and their presence is negatively affecting my creditworthiness. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Please delete this account ASAP.

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 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This is a ground for removal they also violated my rights under : 15 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section2 : 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 2023-03-13
Company: Colony Brands, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account was paid in a settlement in XX/XX/2021. As of today, the account is still billing as a charge off. XXXX is now reporting as a Charge off and a balance of XXXX .... XXXX is showing a balance of {$650.00} ... when it was paid in XX/XX/2021. 

XXXX is also reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX  and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$610.00} XXXX XXXX {$16000.00} XXXX  XXXX {$8900.00} XXXX XXXX CO XXXX {$1400.00} XXXX XXXX  XXXX {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
In XXXX XXXX, we had a refrigerator die while we were out of town. We had extended warrantee coverage through XXXX, who covered the cost to replace the refrigerator ( ~ {$1800.00} ) and the lost contents ( {$260.00} ). To resolve this coverage, XXXX sends the money to Bank of America, who issues me prepaid debit cards. I did not ever activate the cards and they were displaced for awhile during some construction we were doing. I never noticed that the cards had different expiration dates : one of the cards expired XX/XX/XXXX ( {$260.00} ) and the other expires XX/XX/XXXX. I went to use the cards yesterday and found that one of them did not work - the one that expired XX/XX/XXXX. 
When I called B of A, they advised me that once this particular card expired, the account is close and the monies are forfeited. There was no notification sent to me advising that the card was about to expire and I would forfeit the funds. There is small print on the card that advises of this policy, but it is on one card and not the other. BofA never contacted me about the cards being received or why they had not been activated. This is all information they would have in their databank. 
I can not imagine that this is legal. That a bank could take money ( which does not expire ) from XXXX, and send to me in a form that expires, whereupon the bank can keep the money. It is akin to 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 2022-12-23
Company: SANTANDER HOLDINGS USA, INC.
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
So in XX/XX/2021 I got a loan from Santander Consumer USA, and shortly after that I lost my job and XXXX XXXX XXXX XXXX XXXX and then I was back to work and XXXX XXXX XXXX. I got upside down in my loan they repossessed the vehicle and I still have a charge off on my credit report for {$26000.00}. So I am unable to get any form of credit today. And they even repossessed the vehicle that was worth more than the loan amount. Im pretty much completely stuck in my life right now because of that loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TransferWise Ltd
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Update to the previous complain, because WISE marked it as competed although it's absolutely not completed, and right at the moment they just cancelled my account without notice. This looks like a huge scam, I'm hoping to get a regulatory service to look at that. 

Here attach their answer to my lost money : pretty much " we don't have the money, we're not liable '', but they gave me 2 WEEKS notice before changing account infos, assured that money sent to the old account would bounce back, but it did not. 

It seems to me that wise cancelled thousands of accounts, and kept all the money sent to these previous accounts. Pretty much stole XXXX of XXXX of customers. Could you look into this please? 

Thanks -- -- -- -- -- - previous complaint, not addressed -- -- -- I asked someone based in XXXX to send me money on my account with Wise. I have a XXXX account through Wise. Without notification, Wise changed my account number and put the old XXXX as not operational anymore, saying that " any payment done to that account will bounce back ''. Just like any interaction I had with Wise which is more and more looking like a giant scam, the money that got sent to that old account absolutely didn't bounce back. Customer support must be done by robots because it's absolutely useless and AI-like. They told me to check with the sender 's bank, but there's nothing to check, the money got sent, didn't bounce back. I suspect Wise kept the money and is doing that with tons of " deactivated '' account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX XXXX XXXX XXXX was notified of was notified that the modified loan in XXXX was still a legal contact and couldn't be sold or transferred to anyone for any reason, also notified them of the statue of limitations has exceeded the 4 years, and is now 8 years 4 months since last payment, now XXXX XXXX XXXX  and Carrington has a scheme going on, XXXX XXXX XXXX illegally transfered the loan to Carrington as the servicer, and acting as a debt collector, since XXXX XXXX XXXX could not file suit, Carrington changed the loan number like it was a New loan, to see in motion a foreclosure, Carrington has sent a notice of acceleration after only 1 month with the loan.legally not late on Note

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: ZuntaFi Corp
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from the ZuntaFi company about how my student loan servicer has changed to them and not XXXX. I am currently up to date and paying my student loans with XXXX. The account manager XXXX XXXX, stated that I owe {$17000.00} and if I pay {$3500.00} my student loans would be paid in full. I told her that I am paying my student loans with XXXX and have no other federal or private student loans. She insisted that I was wrong and has been sending me letters, emails, and threatening to damage my credit. I have confirmed my student loans with XXXX and the Federal Student Aid ( government ) website. None of this information she has is correct. She mailed me my original promissary notes, that has been refinanced with XXXX. I am still paying them off. I have asked her to stop contacting me and to cease all communication and harassment. I would like to report her ( XXXX XXXX ) and the company ZuntaFi Corp XXXX XXXX XXXX for illegal business practices and scamming. She has sent me a letter stating that she will send the dispute to the credit reporting agencies and may take up to 30 days of longer to update the reports. There address is XXXX XXXX XXXX XXXX XXXX, SD XXXX. Please look into your student loan balances on the Federal Student Aid website to very all student debts owed. If I didn't do this, I would have paid {$3500.00} on a debt that I am still paying on. Please be careful out here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: OR
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:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This is a ground for removal they also violated my rights under : 15 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section2 : Also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/22, I went to the Chase Bank located at XXXX Main XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX. To deposit and get cashback from my work check. The total amount for my check was {$1600.00}. I told the teller that from my check I wanted to deposit {$860.00} to my checking account and {$790.00} cashback. The teller made a mistake and he did the transaction backwards. He thought I wanted {$860.00} in cash and {$790.00} as deposit in my checking account. When he notice his mistake, he changed it and he told me that he was going to do all over again. The teller did give me {$790.00} in cash and I pressed the green button that {$860.00} were deposited on my checkings account. 
On XX/XX/22, my husband noticed that the bank did not deposit to my checkings account my {$860.00} but the bank took that amount from my account. That day we drove to the bank and I spoke to a floor person named XXXX and he went to talk to his supervisor XXXX XXXX who told him that it was the bank error and the {$860.00} were going to be deposit to my account in the following days. 
On XX/XX/22, my husband noticed that the bank instead to deposit the {$860.00}, Chase took an extra {$790.00} making a total of {$1600.00} that the bank now owe us. I requested time-off from my work to go to the branch again and I talked to the same floor person XXXX and his supervisor and they told me exactly the same thing, they will check and they call me ; however, they never did. 
On XX/XX/22, we noticed that Chase deposit {$790.00} into our account but they took {$860.00}, making a total of XXXX that now Chase owe us.Once again I came to the branch and nothing was resolve. 
On XX/XX/22, we received a notification that our account was overdraft as Chase took extra {$790.00} from my checking account and left it empty with overdraft charges and taking extra more money. The total as now is {$2500.00}. My husband and I went to the branch as early as the branch opened and talked directly with the manager XXXX XXXX who with an attitude told us that she checked our account yesterday and they are still working on it. The manager said that she was going to keep working on my account so we told her we are not leaving until we get our money back today. The manager went to the back of the branch and we were waiting for over an hour until she sent someone to tell us that it was going to take longer and we can leave and she will call us. At this point nothing has been resolve. I am late with my payments which the {$860.00} were going to cover those bills, I am overdraft in my account, I have XXXX dollars in my account, my husband and I had to request time-off from work again to go in person to talk to the manager branch, waste gas money, time, stress and the bank is not helping but all the contrary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N 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 COMMISIONS 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 non-monetary relief
Consumer complaint received 2023-11-29
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On Wednesday XX/XX/XXXX at approximately XXXX XXXX  ET, during a Best Buy ( located at XXXX XXXX XXXX XXXX XXXX , XXXX, MA ) purchase, I was manipulated into obtaining a store credit card. Store manager XXXX, who was the cashier that processed my transaction, falsely advertised the store membership and credit card as a XXXX  XXXX  promotion. He then asked for my information as a form of identification in order to prove my eligibility for said promotion. I expressed I was not comfortable with sharing such information and he assured me it was just the standard procedure and that it would not be used for any other purpose than to confirm my identity in regards to the purchase. When I questioned the extra {$49.00} charge XXXX insisted that the total wouldnt be any different if he were to remove it, that it was merely a required hold. Upon leaving the store I received an email confirming my credit card application, and another welcoming me to their membership program neither of which were mentioned to me. I gave no consent to this and was coerced into singing up through a misleading presentation by the store manager. This occurrence is common at the store, salesmen are often encouraged to try and get away with membership charges and credit card applications as they are paid per commission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: SYNCHRONY FINANCIAL
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2023, I applied for dental work with a dental company. The application ( promissory Note ) somehow arrived at this bank through another dental or credit unit, since banks are borrowers they had to have borrowed the promissory note or purchased it. 

However, I was denied credit by the XXXX of the same month and year, when the credit was secured by the note under 15 USC 1637 ( a ) ( 6 ). 

The promissory note was accepted, and securitized, which means the credit was secured, yet I was denied credit on the basis of an inaccurate consumer report while the bank stole credit from the note which I pledge in good faith. 

Based on the Federal Reserve Act, Section 16 ( 1 ) ( 2 ) the application is the security.

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 2023-11-29
Company: ResidentCollect, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2020 with an amount disclosed of {$3800.00} was shown on my credit report which I did not authorize and nor have I ever leased with this company. Ive reached out the the company and disputed the account is currently still open and has not been removed. Ive talked to the apartment and they provided a letter that states they have no record of me staying there.

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