BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: SANTANDER HOLDINGS USA, INC.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have aXXXX XXXX XXXX XXXX  have been paying on this loan for 3 years now I have given them over {$16000.00} they have taken whole payments of {$500.00} and applied every red XXXX  to the interest I spent nine months with my principal balance not moving a red XXXX  at all I have reached out to people they have been ugly to me they refuse to give me a copy of my current contract. I originally purchased a XXXX  XXXX XXXX from the dealership that I got my XXXX  from finance through Chrysler Capital that made me bring the vehicle back and after I had signed the paperwork giving them money left a lot 7 days later I got a phone call saying I have to bring the vehicle back they want to put me in a brand new one they put me in XXXX XXXX XXXX I didn't have a choice that was the only thing that I had an option for and I had to have a vehicle they use the fact that I was a subprime loan borrower and they took advantage of me and now I owe all this money. I had my vehicle repossessed once and I paid to get it back luckily I had help to get it back but I'm about to lose it again and I can't get these people off my back I've offered them a cash lump sum settlement and they refuse to take it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Back in XXXX 2016, I opened a simply right checking account with Santander bank which has no monthly fee if you make at least one transaction, starting in XX/XX/XXXX Santander bank started charging me {$35.00} dollars every month for monthly fee which I didnt notice until now, I called the bank and told them what was happening and I was told that my account was being charged this monthly fee because I had a premier bank account that I never requested to get upgraded. The representative downgraded my account back to simply right checking and said that I was go na see the fees back to the account, days passed and nothing, called back again to see why the {$280.00} worth of fees that the bank charged didnt come back, the representative said there was no request to refund the fees but that she could only refund me 2 of them, the bank only refunded me {$70.00}, I still want all my money back since I didnt sign up for that. {$210.00} needs to be sent back to me

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 2022-10-28
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX, and Equifax consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX, and Equifax consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX, and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Experian consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, XXXX, and Equifax consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 an account without my handwritten instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed 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 non-monetary relief
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting 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:
THESE ACCOUNTS HAVE INCORRECT INFORMATION AND I NEED IT REMOVED FROM MY REPORT. 

ACCOUNTS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2021-02-27
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from a lawyer 's office regarding a credit card debt. The creditor is Discover Bank. I reported this account to the creditor and the credit bureau as a fraudulent account that I did not make. I stated that the account was applied and made by identity theft. 
Once I discovered the account 's existence, I reported a police report with an FTC identity theft report. Also, I requested proper verification to be processed for the fraudulent credit card account. 
Unfortunately, the credit did not provide any documents to me suggesting that I applied and used the account. The only documents I received were monthly statements of the fraudulent accounts. 
I requested a specific document, which was a written contract/agreement that was made between me and the discover bank. 

I do not understand how Discover bank can sell this fraudulent account to the collection agency when they clearly failed to conduct a proper verification process of this fraudulent account. 

Also, the date XXXX and XXXX posted on the upcoming lawsuit is XX/XX/XXXX and stated that I must reply back within 30 days. I only received the letter today, which is XX/XX/2021. I know by law I have 30 days to respond back to them, but I only received the letter today. 

XXXX and XXXX are playing games with me in order for them to not to provide any verifiable documents to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023, my wife made two ACH transfers ( $ XXXX and {$22000.00} ) from Marcus by Goldman Sachs to XXXX XXXX. I'm the secondary joint owner of Marcus saving account and the sole owner of XXXX checking account. XXXX suspects it's a fraud so that they closed the XXXX account forcefully. In order to get the money back, XXXX requires Marcus to send an Indemnification Agreement ( Hold Harmless Agreement XXXX XXXX XXXX ). However, Marcus said they don't have this process and can't do it. 

Now I'm in this deadlock and can't get my money back. I appreciate if you can help us negotiate with XXXX and Marcus and find a way out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal I have to pay bills I received my Benefits there and Im having trouble withdrawing them I have to pay rent. This is not only happening to me but a lot of people i dont know whats the purpose on doing this when I verified my identity. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/ 2022 I received a collection notice from MIDLAND CREDIT MANAGEMENT in regards to doing business with XXXX XXXXXXXX XXXX  in the amount of {$3500.00} I have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed. Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt. Please provide original contractual agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed my credit report and came upon the alleged inquires from ( XXXX XXXX  on XX/XX/2023 and XXXX XXXX XXXX on XX/XX/2023 ) reporting on my credit report. I declare there is an error, and you have violated my federally protected rights by reporting such false information on my consumer credit report. 

Pursuant to the Fair Credit Reporting Act Compliance procedures 15 U.S.C. 1681e ( b ) Accuracy of report- Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have attached a photo of my credit report showing the alleged account and as you can see, all three entries are different with XXXX, Equifax, and XXXX. If the reporting information is accurate, why are all three credit reporting agencies reporting different information? 

It is clear you are not reporting 100 % accurate information. With that being said, the reporting of the alleged account is fraud and is to be removed from my credit report and file immediately. The Consumer Financial Protection Bureau, Attorney General, XXXX XXXX XXXX, and Federal Trade Commission have also been notified of the matter. 

Please take care of this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have 5 private student loans and 2 federal student loans with Navient. I have been repaying the loans for 7 years now, and have not missed any payments, although it has been a financial struggle and I have not able to move ahead. The original amount of the 5 private loans that I have taken out were : {$15000.00} ; {$15000.00} ; XXXX ; XXXX ; and XXXX. The amounts that are owed on these loans after 7 years of repayment are {$16000.00} ; XXXX ; XXXX ; XXXX ; and XXXX. The 2 federal loans are XXXX and XXXX. Amounts now owed on these are XXXX and XXXX. 

After 7 years of paying these loans, they have not gone down, but up!! I called Navient 2 times about this but they did not respond back to me with any reason. Why would this continue to go up in amount due?? This does not seem right at all. How and why would this happen? Please help because Navient sure is n't. Should I consider getting a lawyer to help me with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: FL
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-12-19
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I started working with Chase Bank to solve my mortgage delinquency back in XXXX. When covid came they experienced some of the same service problems that everyone was experiencing. It was very difficult to reach some one and when I did, they were new or overworked so I got nowhere. They just kept putting me in a forbearance. Finally in late XXXX someone told us about XXXX XXXX XXXX Ohio ( XXXX ). I applied and was denied and sent to a Housing Counselor. She was able to get XXXX to approve our file. This is where the problem with Chase continues. On XX/XX/XXXX we owed {$25000.00}. XXXX had XXXX for us. All we had to do is give Chase XXXX. They would not take it. I have been trying for months to get them to take the money, hold it, tell XXXX  the difference is there so they will send the XXXX. They won't. On XX/XX/XXXX it went up to {$26000.00}. Chase still won't take the money. Now XX/XX/XXXX its {$28000.00}. Chase still won't take the money and now I don't have {$3600.00}. XXXX has been telling us for months that they have sent Chase the conditional approval. ( That is what they say they need ) Chase keeps saying they don't have it. I'm stuck in a loop. I need help. I am going to lose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am deeply concerned about the blatant disregard for my consumer rights in the handling of my dispute letters submitted to the three major credit bureaus, beginning on XX/XX/2023. It is disheartening to note that all three credit bureaus have not only ignored my letters but also violated the Fair Credit Reporting Act ( FCRA ) by failing to respond within the mandated 30-day period. 

Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports. The credit bureaus are legally obligated to investigate these disputes within 30 days and provide a response. By neglecting to adhere to this timeframe, the credit bureaus are in direct violation of the law, undermining my rights as a consumer. 

I want to emphasize the gravity of this situation, as it not only impacts my financial standing but also erodes my confidence in the integrity of the credit reporting system. The inaccurate information on my credit report has far-reaching consequences, affecting my ability to secure loans, obtain favorable interest rates, and even impact my employment opportunities. 

I urge you to take immediate action to rectify this situation. I demand that the credit bureaus promptly investigate my dispute, update every item on my credit report to accurately reflect the status as " paid as agreed, never late, '' and provide me with a written confirmation of the corrections made. I am well aware of my rights under the FCRA, and I am prepared to take further legal action if necessary to ensure my rights are upheld. 

I expect a timely response and resolution to this matter, as it is not only my right as a consumer but also a matter of upholding the laws designed to protect consumers like myself. Your cooperation in this regard is essential, and I anticipate your swift action to rectify these violations and provide the accurate credit reporting I am entitled to under the law.

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