BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-01
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
I purchased a new car financed through Santader Consumer Finance in XXXX XXXX. I made steady on time payments consistently from that date forward, to include a small extra payment each month. 

In XXXX of XXXX we sustained some minor storm related damage to the vehicle. The vehicle is insured through progressive insurance. During the claim process with XXXX  I expressed that I have 20+ years experience in paint and body repair and would be repairing the vehicle myself, out of pocket while awaiting the arrival of the insurance check, which was made out to myself and Santander . I spoke with Santander via their online chat portal, in which the representative informed me that Santander would not release any of the funds to me and would instead apply the funds directly to the principle owed. 

I received the insurance check for {$820.00} the balance of the estimated repair minus my {$500.00} deductible. I endorsed the check and included a note stating that I had already repaired the vehicle out of pocket and wished for the proceeds to be applied to my balance as was discussed previously with a Santander customer representative. The check was mailed from XXXX XXXX, LA to a XXXX, TX payment XXXX XXXX as is listed on all Santander payment documentation, on XX/XX/XXXX. 

I waited several days, checking often to see my account balance to reflect such payment. After a few days i became concerned and again contacted Santander to acquire about the payment, and was informed they did not receive the payment. I then contacted XXXX, who informed me that they did not have any indication that the check had been presented for payment, initially. I continued this process for a few more days checking every couple of days. Santander continued to claim not having received any payment, until I informed them on XX/XX/XXXX the check had in fact cleared XXXX XXXX 's bank as was confirmed by phone by XXXX. 

On XX/XX/XXXX I spoke by phone to Santander this time being refereed to an insurance representative of theirs who then stated that the funds would be applied to the principle of the balance owed on the account. However on XX/XX/XXXX, I made my regular monthly payment, of course the accrued interest for the full balance owed was charged and taken from the payment, with the remaining balance being applied to the principle. 

So Santander, received a {$820.00} dollar payment on or amount XX/XX/XXXX, denied having received the payment, and continued to charge me interest on a principle balance that I did not legitimately owe. So in fact Santander has stolen money from me in the form of interest in which I did not owe. And as of XX/XX/XXXX has still not credited the balance of the account and is currently still charging me interest for a principle balance that i do not owe, even though they have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Millco Management
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or around XX/XX/XXXX the company had agreed to remove items from my credit report due to the client could not verify the account, and in fact agreed that it was not mine. 
On XX/XX/XXXX the company, ameriso financial solutions posted the same accounts and have continued to post accounts that exceed the statute of collection and in some case the seven year limit for credit reporting. after speaking with the company they advised they had no idea what i was talking about but could not remove anything from my credit.I also asked why they posted duplicate accounts that were in fact not mine and also removed. Associate ask me not to call back and terminated the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions 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:
These agencies are reporting fraudulent information because they obtained these by, or involving deception, especially criminal deception. Also the data they are reporting is not accurate, outdated and untrue. Please remove these immediately

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: 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:
I noticed an account that is fraudulent thats on my credit report XXXX XXXX XXXX  account with an amount of {$9800.00}

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 non-monetary relief
Consumer complaint received 2018-03-08
Company: EQUIFAX, INC.
State: OK
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:
Good morning, I recently received a copy of my Equifax credit report and after reviewing it, I found information on the report that are inaccurate. The account in question is below. I disputed the information via Equifaxs website. However, the information has not been correctly verified yet still remains on my credit file. As of this date, I have not received any copies of the documents that Equifax have in their files verifying the accuracy of said account. 

XXXX XXXX XXXX XXXX {$65.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts, nor did I authorize these companies to run my credit. Additionally, there are addresses and names that I don't recognize on my personal profile. Please remove them.

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 2020-07-10
Company: Hillcrest Davidson & Associates
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX XXXX abusive to me XXXX sending me letters they are not showing me the documents evidence of the bill that is sent to me I have copies of the bill it was automated over the computer and I did not willingly try to purchase this product so this letter that their charging me is erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Ad Astra Recovery Services Inc
State: TX
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 a victim of fraud/identity theft. Sometime in XX/XX/2020 someone applied and received an individual loan IAO {$2300.00} under my name from XXXX XXXX XXXX in XXXX, Kansas. The account went to a collection agency, Ad Astra Recovery Services, on XX/XX/2020. The account showed up on my credit reports when I checked XX/XX/2020 and I realized I had a fraudulent account IAO {$2300.00} in collections. I have disputed this account with XXXX, XXXX, and XXXX  and placed a security alert on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2018-08-15
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: Investigation took more than 30 days

Complaint:
XX/XX/18 XXXX has : 1 ) Reported 20 Hard Inquires on my credit that I never authorized.

2 ) I literally paid off my car with XXXX XXXX XXXX XXXX ; was never later, but XXXX is still reports it owing and late.

3 ) I NEVER had any account for XXXX XXXX but XXXX reports me owing them.

4 ) XXXX XXXX XXXX sent me and CFPB an acknowledgment of error in reporting that I owe them anything. They admitted that I dont owe them. XXXX consistently & fraudulently puts them on and off of my report as a charge off.

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 2021-03-03
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: Personal information incorrect

Complaint:
There is incorrect personal information on my credit report. I need the bureaus to update this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear CFPB, I am writing this to have assistance with having my personal information updated on these credit reporting agencies. I reviewed my report and I have seen a lot of inaccuracies. 

My name is : XXXX XXXX My only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Please have the agency update this accordingly.

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 2023-01-09
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2023 at XXXX I was attempting to send money to XXXX XXXX XXXX XXXX XXXX handle $ XXXX however I had not noticed the system prefilled $ XXXX by the time I saw that the transaction was in process. I immediately attempted to contact customer support via the chat but was unable to get anyone then I called the customer service number. Only to be told that all I could do was reach out to whom ever I had sent the money to and ask for a refund. However I do not know who this is that it was sent to. I communicated that to the representative and the only thing he said was that he provided all the information he can provide to me then and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am writing in regards to my account with Discover Financial Services Account # XXXX, the reason for this request is the reporting of late pays reporting in XX/XX/2020. As I am sure you are aware that FEMA declared a national disaster occurred during that time which has impacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX and iI am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: Clarity Services
State: NC
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:
To Whom It May Concern : Clarity services inc I have noticed that you have placed an inquiry on my XXXX credit file dated XX/XX/2016. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an  entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

XXXX report that you pulled a hard inquiry. 


Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; '' *****https : //www.consumerfinance.gov/XXXX*****

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted and In School Deferment for my Federal Perkins Loan on XX/XX/XXXX and again on XX/XX/XXXX through my school XXXX XXXX XXXX XXXX. I am currently enrolled more than half time there studying accounting. 

I received a notice via email stating that my deferment would not be processed on XX/XX/XXXX. The letter requests I respond immediately ( by XX/XX/XXXX, the same date it was received ) and denying my deferment request. I was previously assured on XX/XX/XXXX via a Heartland/XXXX representative ( through a chat tool ) that my deferment would be backdated. 

My complaint is about 1 ) the misinformation transmitted via Hearland 's representative on XX/XX/XXXX, 2 ) the 1 day response request regarding my deferment, 3 ) the incorrect denial of an otherwise timely and correctly filed deferment request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Late XXXX I tried to shop around and find a bank thatll do a credit card balance transfer from XXXX. I ended up speaking with someone at citizens bank XXXX XXXX XXXX, MI ). The representatives there reassured me they can do the transfer. I was approved XXXX XXXX and got an email confirmation that I was approved. I then called the credit card company like I was told to ( upon receiving my card in the mail ) to ask for a balance transfer. I read off my Michigan schools and government credit union card number and was told citizens bank isnt associated with XXXX therefore cant do the balance transfer. I then called back to the citizens bank to ask what to do. I was told They had no idea and to call the credit card number back and ask for a cash advance check. I called the credit card number again and was told they stopped doing this a few months back ( quote on quote ). I called back to the bank and they claimed they had no idea of this change and was told they will see what they can do. 2 days went by, no call from the bank. Finally I called back today, XX/XX/2020 to check on the status of this issue : they claimed they got an email with a link XX/XX/XXXX regarding this new change ( no longer offering check advances ) and that It was a link 3 pages down that apparently no one at that branch read. They admitted its their fault but that doesnt solve my issue. So now, im stuck with a XXXX credit card I cant close due to It impacting my credit. Nor do I need it. It was pure negligence and malpractice of this branch not staying up to date on changes. None of the time line matches up to what I was told from the credit card company XXXX what the branch representatives told me either regarding this change. Essentially I was told a manager / supervisor from credit union ( XXXX mile ) would call me back and no one ever did. ( I was told this XX/XX/XXXX And no manager called me, and when I reached out XX/XX/XXXX, a bank rep essentially owned up to their mistake and told me theres nothing she can do ). I need this credit card removed / closed without It impacting my credit, as this is that branches fault it was open in the beginning. I am extremely disappointed at their lack of knowledge and how they handled this situation. I made It clear multiple times Im transferring balance from XXXX, so if someone were to check recorded conversations with citizens bank and their credit card line you would hear this. I need this resolved and at the very least they should be held responsible for their mistake and negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: TX
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:
After, Reviewing my full credit report. Majority of the credit inquiries on my report have not been authorized by myself, XXXX XXXX. Or I have no knowledge of why they are on my report at all. I would like them all removed or verified immediately please.

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 2023-01-26
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:
When I investigated my credit report, I realized that some of the items was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief