BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-25
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposit Cash {$840.00} at the Santander Bank ATM machine on XX/XX/2020. I waited for the deposit receipt. Waited for my deposit receipt. A message on the ATM machine stated unable to deposit your money. I waited for my money {$840.00} to be dispense from the ATM machine. Unsuccessful. The manager Mr. XXXX informed me that he checked the ATM machine and discovered that I did deposited the {$840.00}. He called the claim department in front of me and stated that I did deposit the stated amount. He also stated that the ATM machine is out of service. Mr. XXXX submitted a claim for me. The {$840.00} was deposited into my account the next day. On Sunday XX/XX/2020 I discovered that my checking account was overdrawn. When I called Santander Bank Ms. XXXX from the claim department, she stated that my claim had a overage of {$620.00}. 
This amount was taking out of my checking account. I am a retire XXXX XXXX  XXXX XX/XX/XXXX Office. I serve for 25 years. My Total Monthly income is {$5000.00}. I am devastate that I a accuse of a crime. I will be taken legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Healthcare Collections-I , LLC is currently reporting on my XXXX credit report an account that is not valid. Attempts to dispute the count with XXXX and directly with the company have resulted in negative results and the account remaining on my credit report.

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 2021-08-08
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been repeatedly charged interest by this collections agency when I have enrolled the company in national debt relief months ago. They already know I can't do anything else they failed to sue me a while ago because all I receive is SSI. Now I haven't enrolled with national debt relief with less than they say I owe now because they keep racking up the interest I don't even think they're looking at this settlement attempt! Every other collection agency has been fine but these people keep reporting collections increase for my credit report every month! I'm trying to settle this debt they are not making it any good experience

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
In XX/XX/XXXX I asked a company how they got my personal information and they told me Experian sold my information to them even though I completed a 5 year opt-out form in XX/XX/XXXX. I also completed a permanent opt-out form at the beginning of XX/XX/XXXX. After I heard Experian was selling my information, I completed another opt-out form in XX/XX/XXXX and sent a copy to Experian with a certified letter. I completed three ( 3 ) opt-out forms from XX/XX/XXXX-XX/XX/XXXX and they are still selling my information. In the certified letter I sent them I informed them again that they should not be giving out and/or selling my information to anyone since I am supposed to be on the opt-out lists. In addition to sending the opt-out form to Experian, I also made it very clear in my certified letter that I wanted my name, address, and social security on their permanent opt-out list. In XX/XX/XXXX I asked another company how they got my information and they told me Experian sold them my personal information even though I have already completed three ( 3 ) opt-out forms. I received my Experian credit report in XX/XX/XXXX and they still do not have my credit file marked as " opt-out '' and they are still selling my information which violates my rights under the FCRA. I want Experian to mark my credit file as " Opt-Out '' and I do not want them giving out and/or selling my information to anyone.

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 2020-12-05
Company: De Lage Landen Finance, LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
Around XX/XX/2020 i stated to talk to XXXX in Idaho for a tractor and baler. 
They had a used tractor and a new XXXX baler. 
They gave me the price and who would be good to get a loan from. 
As we talked I did fill out some paperwork to get things started. 
But as things got going they started to push me into getting this deal done. 
At the time I had done some paperwork with the loan company. 
They had sent paperwork but there was problems with it and that company said that with the way I had signed some of there paperwork was not how there rules and polices were. So that i still needed to re-do those documents. 
So all this time I did not know that the loan company had went around there rules and that XXXX had taken money with knowing that the paperwork was not inside what the law is in Idaho and the law in Nevada. 
So when I did think it would be best that I pass on this equipment they told me the deal was done already!! 
The loan company on XX/XX/2020, started to fund the loan and on XX/XX/2020 did fund the loan and send XXXX the money for the equipment. 
But I will sent copy of emails dated XX/XX/2020 that shows that they both wanted me to re-do the paperwork then. 
And in a email they both said that the paperwork was done on XX/XX/2020 & XX/XX/2020. 
And I did not even try to send paperwork back tell XX/XX/2020 And then a very short time after that I was told that the money had been sent weeks before that. 
So how could a loan be done with out all paper work done and signed. 
So after XX/XX/2020 I did think it was best to just walk away from this. 
But then later I did find out that XXXX took months to pay back the money to the loan company. 
And that should have been done right away. 
And in Idaho and in Nevada both company 's did not stay witin the law on this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Diaz & Associates, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This items were unverified by DIAZ & ASSOCIATES and DIAZ & ASSOCIATES reported the fraudulently account on my credit report without my consent.The account was removed and now has being reinserted back onto my XXXX  credit report without my knowledge of this account. I've proof of account showing deleted and reappearing.DIAZ & ASSOCIATES must remove the fraudulently account immediately accordingly FDCPA and the FCRA. I have also attached my identity theft report as well Please removed fraudulently account from all my credit reports I will report this to the FTC and the Attorney General

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 contacted XXXX, and transunion regarding fraudulent inquiries on my credit report I sent XXXX and transunion copies of my identity theft report But still the fraudulent information remains on my credit report.

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 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 following companies have violated my rights : Account Name : XXXX XXXX XXXX XX/XX/XXXX {$980.00} Account Name : XXXX XXXX XXXX XX/XX/XXXX {$29000.00} Account Name : XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1400.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX {$2200.00} Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX {$10000.00} Account Name : XXXX  XXXX XXXX/XXXX/XXXX {$550.00} Account Name : XXXX XXXX XXXX XX/XX/XXXX {$1600.00} Account Name : XXXX XXXX XX/XX/XXXX {$1300.00} 15 U.S.C. 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 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 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Denied credit due to inaccurate information on credit report. Unauthorized use of credit being reported. 
15US 1684 15US 602 A 15US604 15US1681 15US1692C

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 2019-07-28
Company: CITIBANK, N.A.
State: FL
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:
XXXX XXXX sent an alert that a new " hard '' inquiry was just added to my XXXX credit report from " Cbna '' on XX/XX/2019. This fraudulent inquiry could affect my score. I have not approved this inquiry and it should not be listed on my credit report.

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 2023-06-26
Company: Experian Information Solutions Inc.
State: NY
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-08-26
Company: ALLY FINANCIAL 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: Account information incorrect

Complaint:
To whom it may concern, Upon reviewing my Credit Report on XX/XX/2022 I noticed that for the month of XX/XX/2022 is reporting to be over 30 days late. 

I contacted the company Ally Financial and spoke with representative XXXX ( the representative would not provide a ID number. 

The representative reviewed my account and confirmed that there is no indication of my account ever being 30 days late. 

The company would not provide any information over the phone and will send a payment transaction via mail.

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 2020-09-17
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Credit Card : REI Co-op MasterCard Issued and administered by " US Bank '' XXXX. XXXX  XXXX XXXX XXXX, MO XXXX WebSite : https : //onlinebanking.usbank.com/Auth/Login Phone Number:XXXX Approximately two years ago we signed up for " REI Co-op '' MasterCard. The credit card is issued and the account is administered by US Bank ( Address : XXXX XXXX XXXX, XXXX XXXX, MO XXXX ). Almost immediately we noted problems with the billing services : the bank would NOT send a monthly statement, then add penalties, interest and fees to the next statement. This practice continues despite a number of complaints. The last conversation over the telephone with the " supervisor '' ( identified as " XXXX '' ) took place about 20 minutes ago. This time, despite the fact that we paid the complete outstanding amount of the bill, no statement confirming the payment was issued by US Bank, so I ended up spending inordinate amount of time waiting on hold to confirm that we are indeed up to date and I that do not need to make another ( duplicate ) payment. This attempt on the part of the bank to collect fees, interest, and duplicate payments because of duplicitous billing practices should be known to regulatory agencies and banking customers who consider doing business with REI Co-op and US Bank.

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 2021-04-14
Company: Monarch Recovery Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Monarch Recovery Management, INC. has failed and refused to issue XXXX XXXX XXXX XXXX a Statement of Account showing a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$79.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX my house burned down and my insurance company release a check to myself and Carrington Mortgage for {$100000.00}. Since then I have had to put over {$90000.00} of my own money into the home as Carrington will not release the funds needed to complete the reconstruction. To this date they have release only {$35000.00} while we have sent them information from myself and my contractor showing where we have spent the additional amount. They keep saying it is not more than 25 % done although it is around 80 % done. 

I am recently widowed and I believe they are trying to prey on me to keep this money and make me homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I hope all is well All three credit bureaus are saying I made heavy use of available revolving credit and this is no longer correct it needs to be taken off and fixed. Im not making heavy use of available revolving credit my debit to income ratio is 13 percent. The remaining balance on non mortgage or installment loans are to high and this is incorrect I dont have a mortgage or no installment loans this needs to be removed as well and reflect correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Did I asked you to update the report or delete the item from the tradeline? 
Send me proof in writing what did I want you to do with this account? You been reporting it as false since the account went close that erroneous information because you were to lazy to actual conduct a proper investigation is what this is all about. If you dont remove this account I will take legal actio under the FCRA you claim Wells Fargo must and shall report accurate information XXXX you didnt care about fair reporting when you were reporting inaccurate information leading up til XXXX of this year you didnt seem to give a XXXX then why now you just dont want to remove but you will and I wont be paying you. XXXX thing so help me I still need the requested information online for XX/XX/XXXX and XX/XX/XXXX per your Certification

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 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am writing this due to non-compliance with the CRA ( TransUnion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. I disputed some accounts on my TransUnion credit report that are inaccurate and inconsistent. The company came back and said that the accounts are accurate. I wrote them, along with a copy of my credit report outlining the inaccurate information. I don't believe that they did a proper investigation in this matter. These were some blatant inaccuracies and violations on my credit report per FCRA. The report file number is 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 2020-06-03
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2020 I sent a letter to Mr. Cooper asking them some questions, I received a response that I will get a response to my letter by XX/XX/XXXX, I haven't received any response yet. 

These were the questions asked -. I also want to know in Three days what Kind of Loan I have? Is it - 1.XXXX XXXX or 2. XXXX XXXX or 3. FHA or 4. VA or 5. USDA loan? 
Clearly mention what kind of a loan I have? 

B.Who owns my Loan? 

C. What Mortgage relief remedies are available to me if I am suffering loss of income due to Corona Virus Shut Down? 

D. What can I do in order to get Mortgage relief, what are my options under your available plans? 


Secondly, I received a letter yesterday that I can stop my Covid 19 forbearance and do a loan modification, I tried reaching someone on the phone number today at XXXX, but there was no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  XXXX - XX/XX/XXXX - I did not authorize this inquiry? - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - The following inquiry was not authorized and should not be reporting. 

Incorrect Address - XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX - The personal data reporting is inaccurate. 


XXXX XXXX XXXX XXXX XXXXXXXX - 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 2023-03-12
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:
XXXX XXXX XXXX and XXXX XXXXXXXX Bank In accordance Fair credit reporting act under 15 USC 1681 Improper use of credit report. Reporting use my report improperly. 15 u.s.c 1681 section 602 A. States the right to privacy 15 U.s.c 1681 section 604 can not furnish a account without my written instruction. 15. U.s.c 1681c. ( a ) ( b ) section states : no consumer reporting agency may make any consumer report containing any or the following items of information. Any other adverse item or information other than records of convictions of crime which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate

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