BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-26
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
To Whom It May Concern : Per XXXX news ... If you were a victim of Santander, Atty General XXXX XXXX encourages you to reach out to his office, as even if you don't get part of the settlement money, they do have ways to help clean up your credit, XXXX XXXX at Atty General Said Nothing to be done ...??? 


XXXX Million dollar lawsuit settlement with Santander USA, my name was not on the list with XXXX XXXX, NC Atty Gen said it is based on my Credit Score on that Day, I had filed a Ch. XXXX Bankruptcy, my home was foreclosed ( XXXX XXXX  XXXX, You have my complaint on them too ) not given a Loan Modification, either ) ... car was bought from the infamous XXXX, XXXX, NC in XXXX of XXXX. ( LOANS FROM XX/XX/XXXX through XX/XX/XXXX, I QUALIFY ) for Restitution. I was a victim ... How was I not qualified??? 


My loan number with Santander is : XXXX, astronomical interest, still owe XXXX, I am XXXX  with XXXX XXXX and Serious XXXX XXXX ... I gave up my career to care for both of my parents from XXXX to XXXX, got in a bad place financially doing so, have been gainfully employed since ... I have been serving to care for others as a XXXX, XXXX XXXX during Covid ... I need Restitution, Deficiency waiver, loan forgiveness and or CLEAR title ... Can you help me please??? Investigate this ... .I NEED Why was I not qualified??? 
Resitiution Wanted : I want a Clear Title or a normal interest rate and this ends XX/XX/XXXX ( and Clear Title ) Please ... 
Sincere Regards, XXXX XXXX XXXX ***Please see other Complaints like mine : Posted by XXXX XXXX XXXX XX/XX/XXXX I have had some of the same issues like everybody else. How do I get in on this class action law suit? 
Posted by XXXX XXXX on XX/XX/XXXX I have paid off this car 3 times and I am sick that we still owe almost what we bought it for. 
Posted by XXXX XXXX on XX/XX/XXXX I want to participate in the class action law suit, they have called me sometimes 3 to 4 calls per day on my lien Posted by XXXX XXXX on XX/XX/XXXX I contacted Santander Consumer on XX/XX/XXXX to voluntarily surrender the vehicle that I had financed through the company. I provided them with the location and where the could find the key. Its been almost 3 months and the still have not come to get the vehicle, but are still reporting a delinquent balance to the credit bureau. The vehicle was a XXXX XXXX XXXX that I purchased in XXXX and still somehow owed $ XXXX. 
Posted by XXXX XXXX on XX/XX/XXXX Please add me to this class action lawsuit. I have the same situation. 
Posted by XXXX XXXX on XX/XX/XXXX I filed attorney general complaint in N.C. for violations of finance contract being over the legal limits NC GS 25A-15. The legal limit on interest rate for credit installment contracts is 18 %. 
Posted by XXXX XXXX on XX/XX/XXXX {$10000.00} dollar auto loan with {$3000.00} down all payments on time still owe over XXXX how is this possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Please be advised this is my SECOND WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. This company has ignored my request to provide me with the documents that they have in their files that they used to validate the disputed account which means that they have NOT validated or can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly DELETE information which can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint as well as copies of the previously written letter sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not have a signed contract nor any contract with CAPITAL ACCOUNTS LLC. I have never done business with this company. I am not liable for collection from this debt from CAPITAL ACCOUNTS LLC. I am not responsible for this debt with CAPITAL ACCOUNTS LLC. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: IL
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:
This account is reporting to my credit report and this lender is saying this is not the company. So please remove from my credit report because this is inaccurate information

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 2019-11-28
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On or about XX/XX/10 we found a charge on our credit card that we did not place. 

Upon contacting Citi card, they first alleged that we would have to lie and report the card stolen to get the charge removed. We handed that over to the AG in their state. 

Then Citi group closed and canceled the card and reissued a new card and account number. They stated ( in chat ) that the charge would be removed in 3 to 10 days as they investigated.

Thus far we have had 3 interactions with Citi card and they will not remove the charge. 

In our opinion, Citi group is in coherts with the company ( whomever they are ) that placed the charge. Now Citi group is  charging interest on a charge we never made. 

Cit group has also refused to close the account. 

The original card number the charge was issued on and account has been closed when the new card issued ended in 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 monetary relief
Consumer complaint received 2020-11-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is my second complaint to CFPB in regards to XXXX  and Equifax Not removing debts on my credit report that are not mine and can not be validated to be so. I am fully aware of the credit bureaus automated dispute computer system where they do not actually validate the debt with a live person rather just update the information if it falls into the algorithms verified pre set parameters. So once again I am seeking CFPB to protect me as a consumer from this type of predatory behavior from XXXX  and Equifax. 

I once again demand for the accounts from said company below be removed since XXXX  and Equifax can not provide adequate proof such as original application for the debt. Section 611 ( a ) states that any failure to investigate the incorrect items within 30 days the items must be removed its been will over 30 days and multiple letter sent to the two bureaus. Since neither XXXX  or Equifax can provide real proof document of ownership of debt they must be deleted immediately or be subject to litigation. 

Note I have attached previous sent letters to both companies. 
I also sent this same complaint letter to the attorney general to help with this unlawful situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
So I been using Cashapp for a while and there was a glitch where they took money out of my Cashapp account, but they closed my account for some reason I made a dispute before they did of XXXX $ for a temporary use but I had got an email that said the XXXX is now permanent but when I logged in to XXXX is not there so I never got it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Account # 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 witout 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 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2023-01-02
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:
All XXXX main credit bureaus showed that I had a balance with XXXX XXXX XXXX XXXX opened in XX/XX/2022. I have never used XXXX XXXX XXXX XXXX in my life, as I thought it was only for servicepeople and their families. I called XXXX XXXX XXXX XXXX in XXXX and they confirmed to me that they also suspected fraudulent activity when the account was opened and closed it within XXXX XXXX ( XX/XX/XXXX to XX/XX/XXXX ). They also confirmed with me in XXXX the account was closed, but the credit unions still showed I had an unpaid balance of over {$7000.00} for XXXX XXXX XXXX XXXX. I immediately disputed on all XXXX  credit bureaus. XXXX confirmed the XXXX XXXX XXXX XXXX card was fraudulent and removed it. but Experian actually said they confirmed the info on my account. XXXX did not show XXXX XXXX XXXX XXXX as XXXX of my accounts, so there is no issue there. 

My complaint is to Experian, since I'm not sure how they could confirm information that is clearly false and fraudulent. For Experian, the report 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 non-monetary relief
Consumer complaint received 2023-04-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
My mother had a an account with chase bank and had open me up a student account. She was the primary account holder they then closed her account due to inactivity last year and they had left my account open in which Im confused about because I was a minor. Chase had then charged my account on XX/XX/XXXX of 2023 for {$1500.00} and put me way deep into the negatives on my account for a check my mother had cashed last year in XXXX in the XXXX XXXX app that check had then was XXXX to the XXXXXXXX XXXX  XXXX XXXX and cashed as well in which Im confused about .Im making the complaint because they a charging MY account for something that has nothing to do with me and charging my account a year later and for keeping my account open while I was a minor at the time while they had closed my mothers account. Also for not being able to do their job properly because why a whole year later are they just now realizing something this serious

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a business credit card on XX/XX/XXXX and called in onXXXX apparently there was an issue with my social security number. The first woman was XXXX and I Was told that I was denied for reasons such as,1 chase card balances grew too fast compared to limit/time on file ( amount was XXXX out of a XXXX limit ) 2 too many active/too much available credit ( I had a new credit cards opened XXXX XXXX XX/XX/XXXX and chase XX/XX/XXXX a XXXX in XX/XX/XXXX and a XXXX XXXX in XX/XX/XXXX ) 3 business too new ( 2 months ) 4 too many recent requests for credit or reviews of my credit ( only three in 5 months one for a car and two for the credit cards ) I was told that paying down the credit on my chase card would help in a reconsideration and payed down about XXXX out of the XXXX. Was still denied a second time. With more reasons some which were different. for the recon reasons 1 too many accts with balances ( I use my credit cards for everyday spending so 2 XXXX XXXX cards with balances of XXXX and XXXX XXXX with XXXX out of XXXX limit XXXX XXXX XXXX out of XXXX but has 0 apr and the chase with XXXX. 2 business too new ( two months ) 3 insufficient business revenue ( XXXX in two months more than a lot of ppl make in two months in ADDITION to what I make from a whole full time job AND a part time job ). When I called back for the recon the underwriter I SPOKE to said she would recommend an approval but it has to go to a second review after her this woman was XXXX. That is the one that was denied. It seems very odd that any of the XXXX ppl I spoke to or reviewed my application were uncomfortable lending giving me a business credit card but the only XXXX underwriter I spoke to wouldve approved my application. Underwriting is so XXXX and subjective its ridiculous. My first chase application was only approved after I spoke with someone who ALSO happened to be a Person of XXXX. It seems that chase is unwilling to give people of XXXX with small and budding businesses credit unless the underwriter themselves are also of XXXX. Very discriminating organization. Beware.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
THIS IS NOT A REPEAT ADDITIONAL INFORMATION HAS BEEN SUBMITTED! I did send paperwork showing from multiple credit agencies, including TransUnion online. I printed these papers out, showing no changes on my credit score prior to my credit score decreasing. I sent about 6 pages, along with a description of why Im requesting the points back. It was clear. Everything I sent was proof as well as provided the reason. However the letter they sent indicated that they didnt see this information on their site or on their end, and advised me to look at my credit report. Looking at my credit report has been their answer for everything. That didnt and doesnt resolve this situation. This is not a situation of change on my report. The issue is change on my score. And it was after the inquiry was removed the same exact date. I received an alert from multiple credit agencies showing my credit score decreased and the reason it did. I sent all that to Transunion. And they have done nothing, but continue to ask me to review the report, which isnt resolving my score changes. I even showed them a paper that showed no changes until the inquiry was removed. Their system they use that provides the formula for the mix of consumers credit report, caused this. And now they wont fix this, wont take responsibility for it. And keep pushing it to me. They are acting as if I didnt already send paperwork to them in the mail, they are acting like I didnt write a letter Clearly telling them the reason. And asking for my XXXX  points back to my credit score. They received the request and paperwork because they responded in a letter but the letter only said they didnt see this on their site, but my score is different now, so they wont see it. However they seen what I showed them and sent them in the mail. To prove the removal of the inquiry Decreased my score, and they didnt provide the XXXX  points I lost back to my score. They have not done anything but removed the inquiry. But didnt fix my score decrease. They are deflecting from the issue. They have the capability to look at my score XX/XX/XXXX or XXXX to see what it was, then look at XX/XX/XXXX to see the change. They know they removed the inquiry that date and it would be crazy to deny that, that was the cause when they can look at the activity themselves on my credit report and score. Nothing has changed and I have already sent in the mail what they asked for last month in XX/XX/2022, they have it. Now I want my points to be added back. All XXXX  points

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 2018-02-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have an XXXX store card and was supposed to be receiving 5 % cash back on all my purchases, I have not received any 5 % cash back promos since XX/XX/XXXX. After speaking to Synchrony I was told I do not have an XXXX XXXX, I do however have an XXXX XXXX account.

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 2023-07-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi, let me briefly explain my situation. Back in the month of XXXX, I got involved in this app called XXXX, I'm sure most people heard of this by now. Essentially, if you get new app referals, it counts towards winning big items like switches that were legit and everything. I was involved in this XXXX XXXX  server for a while and they had this system of verified sellers that would sell referals for people to complete their game. This one specific seller called XXXX sold new app referals and sold quite a few for some time and got the trusted seller role as he built his reputation. Eventually he started offering referal sales for a XXXX XXXX  to which dozens of people bought because he was trusted. I paid this guy {$120.00} through XXXX on XX/XX/XXXX, and he ghosted everyone who paid within a few days. I waited 2 days and I realized he left with my money and learned that others were scammed as well. I also reached out to XXXX  who only gave robotic responses as well as those online who had similar situations with XXXX. I filed a chargeback with my bank Chase and gave sufficient evidence in a PDF file that I was scammed as well as others and I did not receive my goods and services specifically. I was confident I would win the chargeback due this story I saw. 

XXXX XXXX XXXXXXXX I also learned from another person who was scammed on the PDF file, that she got her money back of {$150.00} with her bank XXXX. On XX/XX/XXXX, Chase contacted me for more information to which I specified I never receieved the referals that XXXX was selling, and I was just notified XX/XX/XXXX that my claim was denied, and their reasoning was because XXXX refused the claim and that there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA, Im submitting this complaint to help establish a legal recourse. If Equifax choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge... 

XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$64000.00} Date Opened : XX/XX/XXXX, XXXX XXXX Opened : XX/XX/XXXX Balance : {$8100.00}, XXXX  XXXX Balance : {$7200.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX Balance : {$9400.00} Date Opened : XX/XX/XXXX, XXXX XXXX  XXXX Balance : {$7700.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation