BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I obtained two loans through Santander. I was told they would lower the rate after on time payments. They charged me 22 %. 
I have made roughly 23 payments totaling {$15000.00} and I owe almost as much as I borrowed originally after 23 payments. This predatory lending. 
I have called and requested supervisors and spoke to XXXX XXXX. She would not reduce the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: BARCLAYS BANK DELAWARE
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: Information belongs to someone else

Complaint:
I 'm writing this grievance in regards to Barclay Bank XXXX credit company. I recently check my credit report and realized there was an account that I did not open. I contacted the credit bureaus and Barclay through certified letters and asking for the documentation that shows my signature that I applied and signed on this account. Barclay has yet to send those valid documents but were sending the credit bureaus this inaccurate information. They in returned sent me billing statements that I knew nothing about. I have tried to resolve this issue for the last 60 days and they keeping saying its me without the proper documents. I have made a claim with the BBB on them also. As a consumer I 'm just trying to clear up this issue and moved forward. 
Thank you

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 2021-02-15
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 a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items.

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 2020-09-08
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: Account status incorrect

Complaint:
The end of XXXX I took bad advise from a company called XXXX XXXX XXXX. I am trying to move on from that mistake. They recommended me to stop paying my unsecured debt and to settle with the credit holders instead of slow paying out the debt. I have settled with all 4 credit accounts - XXXX XXXX, XXXX XXXX, XXXX, and XXXX in XX/XX/XXXX. 

I have had a flawless credit history since all time before my dealing with XXXX XXXX XXXX program. My Credit has been flawless since i got out of that XXXX program as well. I paid the creditors what was agreed to settle for but I still have a tarnished credit report listing Charge Offs. I have only one small time period of an issue and I want to move past that. 

I would like the three credit bureaus to list the accounts as simply closed. Not Charged off. The Accounts were not " Charged Off ". The accounts were paid the amounts negotiated by the creditors.

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 2021-11-11
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:
I have been trying to get the credit bureaus to validate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. Please have them delete these unauthorized inquiries. 

XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: SC
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: Problem with personal statement of dispute

Complaint:
I sent a letter to XXXX about some credit cards they have reported to my consumer report and your company has not sent me : The contract/agreement I signed legally binding me to this alleged debt The information you used for fraud prevention and to verify my identity as the responsible person qualified to establish this account The steps you took to verify my eligibility to establish this account ( ie, employment verification, residence verification, etc. ) Verification of accurate billing ( ie, every single itemized statement, payment, credit, interest added, disputed charges, etc. ) from the time this alleged account was first established A notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period you claim I was a customer A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions correct? ). 
A full file disclosure. 
An itemized statement breaking down the balance you claim I owe. 

I gave them 15 days and they sent me monthly statements and something that looks they printed of with my social and address this is unacceptable and I want the information that I requested or these credit card accounts need to be deleted from my consumer report I've even called and they can not locate these accounts This is another attempt to get me the information that I need

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 2021-08-05
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
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: Information belongs to someone else

Complaint:
I 'm writing this grievance in regards to XXXX Bank XXXX credit company. I recently check my credit report and realized there was an account that I did not open. I contacted the credit bureaus and XXXX through certified letters and asking for the documentation that shows my signature that I applied and signed on this account. XXXX has yet to send those valid documents but were sending the credit bureaus this inaccurate information. They in returned sent me billing statements that I knew nothing about. I have tried to resolve this issue for the last 60 days and they keeping saying its me without the proper documents. I have made a claim with the BBB on them also. As a consumer I 'm just trying to clear up this issue and moved forward. 
Thank you

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 2020-02-18
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: Account status incorrect

Complaint:
XXXX/XXXX  # XXXX is reporting a charge off to my credit that is past the Statute of  Limitations in Nevada. I no longer legally owe this debt and it needs to be taken off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a car loan in 2019 after that done used my identity to keep applying I havent had any help with the bureaus to remove the inquires

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 2019-08-05
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had just started working for XXXX XXXX XXXX and needed proof of a settlement or a payment plan with the debt collectors to an apartment complex I resided at. I had broken my lease left before finishing my contract do to some family problems, to finish my on-boarding with the company my leasing manager provided me the information to the debt collectors and to contact them as soon as possible and set up a payment plan because I wouldnt be able to pay the whole amount upfront. I got in contact with the manager  XXXX on XX/XX/2018 and he seemed nice then did explain to me he could take off a few {$100.00} from the debt if I paid that day I stated I still wouldnt be able to afford it and wanted to do a payment of XXXX $ a week he advised me to apply at some company called XXXX   and once I got approved to give him a call right back. So I applied and noticed it was like a payday loan or loan company lucky me I wasnt approved, I called back and informed him I wasnt approved and just wanted to go ahead and do the {$100.00} every Friday from my debit card he agreed and took my card information and I asked for the proof of the agreement we made he stated hed send the statement through email. I finally received the statement but my manager said it had nothing to do with the agreement we had over the phone. I emailed XXXX back informing him that I would need actual proof about our payment plan agreement. Note I was very scared Id lose my job so I was willing to work as hard as I could with the debt collectors. He acted like he never had the conversation with me about a payment plan I had stated I wasnt going to be able to afford it so Id want a payment plan of the {$100.00} every week since I had been jobless for awhile do to problems I was having at home so he offered me XXXX if I didnt get approved then we could go forward with our plan B ( payments of {$100.00} ). 
So I called back and every time Id get someone different so my manager advised to wait till Friday   when my payment would be drafted and if not call right back on Tuesday  XX/XX/2018 since Saturday theyre most likely be closed and on Mondays I was off. I sent an email to XXXX but only wanted me to call and seemed so rude over the emails so my Manager decides shed call with me and the CSR did state I did talk about the {$100.00} a week but he stated I wouldnt get any kind of proof till I finished the full amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
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:
On XX/XX/19 I disputed the XXXX account and XXXX XXXX account that Transunion is reporting on my credit report. I disputed the account due to violations reporting. 

XXXX has a past due balance on a collection and XXXX XXXX has a past due balance as well. 

It is a violation for collection accounts to report past due balance. After Transunion completed their " investigation '' they did not make any changes. 

I want these accounts removed since Transunion has failed to report the accounts accurately after my numerous request for investigations to ensure this account is reporting 100 % legally and accurately.

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 2017-11-09
Company: Experian Information Solutions 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:
This is a complaint against Experian XXXX XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

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 2019-06-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with a {$42000.00} check from a settlement two days ago. This morning the funds showed that the check cleared in my account. I paid two bills and got a message that my account was frozen and restricted. Chase informed me that without reason it was closing my account. They told me they would send a check when they clear it, which I dont now how long will take. I have an emergency and need to pay my bills today. If my money gets held up I would have to pay an addition {$3000.00} to cut my water bill back on for missing the payment. When I went into the branch to ask about it the lady was extremely rude and then called the police to have me escorted off the premises. Then she said she wanted to file a restraining order, when I was only trying to inquire about why my money was inaccessible for a undetermined amount of time. I want my money today and I want a full apology from the bank and the young lady that called the police on me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: EQUIFAX, 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:
FOR THE PAST 3 MONTHS I HAVE BEEN REPORTING TO EQUIFAX THAT THERE IS A FRAUDULENT ITEM ON MY CREDIT REPORT. I HAVE SENT THEM MY IDENTITY THEFT REPORT AND THEY REFUSE TO HELP ME. I HAVE BEEN CALLING AND FAXING INFORMATION TO THEM, THE SAME FRAUDULENT ACCOUNT WAS REMOVED FROM THE OTHER 2 BUREAUS. I DON 'S UNDERSTAND WHY EQUIFAX IS NOT ABLE TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient I submitted my income based repayment paperwork for Navient after they stated they didnt receive all of it. Once i did so, I received an email at XXXX that same day stating that my paperwork was revived. The young lady I spoke with stated that she would would move my payment date to XX/XX/XXXX to ensure that the paperwork had been completed she on XXXX end. Fast forward til today, Ive been charged {$850.00} dollars XX/XX/2019. I cant pay my rent or electrical bill. Whose gon na help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: BARCLAYS BANK DELAWARE
State: CA
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 for a Jetblue Plus credit card in XXXX of XXXX and was approved. The promotional offer was 60,000 bonus miles which I have never received. I met and exceeded all the requirements for their promotional offer. I contacted the Barclay 's via their banking website used to make payments, view statements, etc. There is a specific link labeled " contact us '' which I used on XX/XX/XXXX and asked for statis of my sign-up bonus. No response to this day. On XX/XX/XXXX I sent second message with same inquiry and again no response even though they state quick response. As of XX/XX/XXXX there has been no response whatsoever. I contacted their phone number for customer service and was advised I to put my request in writing and the address to mail my request was the same address on the reverse of my billing statement. I sent my letter XX/XX/XXXX with added expense of proof of delivery. I did receive a response dated XX/XX/XXXX and I quote " We are currently unable to complete your request '' so in essence they can not honor their promotion. It was suggested that I call the phone number on the back of my credit card which I did and with great effort convinced one of their representatives to open case. I was told within 30 days I would receive a response, I have not. On XX/XX/XXXX I called customer service again and was told my case was still pending and " maybe a few more billing cycles will be needed. I asked him what if I never hear back his response was just wait. Help! Thank you

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 2022-01-08
Company: Synovus Bank
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX XXXX XXXX closed my account without warning. They are also reporting to the credit bureaus of this action and also late payments, which I did not consent for them to report to any credit bureaus according to consumer law. Further more the card had a limit of {$300.00} and now they are saying I owe {$500.00}. how is this even possible? I never went over my limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: BARCLAYS BANK DELAWARE
State: NY
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:
RE : Claim # XXXX XXXX XXXXMastercard Trip Delay on XX/XX/2019 The credit card offers a reimbursement of {$300.00} for a trip delay that I experienced at XXXX XXXX XXXX on XX/XX/2019. 
I have submitted all requested documents to the rep, XXXX XXXX, who is being extremely difficult. 
I have forwarded him several notices from XXXX XXXX advising of the trip delay. He continues to request more info every time. XXXX  has called me and told me they can not provide anything more. Furthermore they have never experienced anything like this when such requests came from past customers.

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 2017-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Since last year I have been writing to all 3 credit Veros company disputing the information that I have in my credit report but with no result all I get is that the result have been investigating and is verified I have been asking for validation of the information thats in my credit report and each time I ask all I get is verification since XXXX of last year is about a year I have been writing to the credit bureaus for them to help me fix the problem and validate the information. The result for year have been verified and never been validated so Im asking your company to please investigate this information and have some validation information to me. The credit bureaus is very abusive in power and I feel trapped for them not to be listen to what I have to say and also I have fraud alert in my account in there undermine does also. I want to bankruptcy removed from my account I have no knowledge of it I have asked for for validation for that information and it was never provided to me I went to the court system to ask why do you report something thats not mine and they told me they never did so I dont know why the credit bureaus do you have so much power to do consumers like me this way. The law shows that if the credit bureaus can not validate information that they had to remove the item from your credit report so Im not understanding if they can not validate my information why do you keep running my credit the way they are. I am writing to you expecting you to investigate all three credit bureaus I need validation for my credit and I need all the negative items to be removed I have wrote to the companies more than 12 times and I still have not got any results from them so please write me back and let me know when exactly ready to do if I need to take the step to take the credit bureaus to court thank you.

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