BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-13
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  and XXXX  credit bureau 's along with the Original Creditors have been reporting negative information at least 2 years on 3 accounts in my credit files.The accounts were investigated and deleted from XXXX XXXX in XX/XX/XXXX while the other CRA 's refused to remove the erroneous items after numerous rounds with them and the suppliers of the information. I sent numerous FCRA 611 and 623 certified letters with either no response or with little documentation to warrant reporting of the items in violation of the FCRA for both the CRA 's and Original creditors. Yet, they continued to verify that the information was complete and accurate after investigation/re-investigation. In the instance of Santander XXXX, they reported amounts owed of XXXX on previous disputes then jumped to XXXX in others with no proof to substantiate the debt or response to 623 letters. XXXX XXXX XXXX responded to 623 letters only saying they verified that the information to be true and correct but I have yet to see and documentation from them proving this. XXXX XXXX XXXX was the same in their refusal to delete even though the CA  they sold the account to had deleted the negative information in XXXX. All the information that was investigated and re-investigated shows inaccurate and different information across all the CRA 's so how could it possibly be verified as accurate and complete based on credible investigations?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Advanced Resolution Services Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRUIST FINANCIAL CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX of XXXX  I totaled my car. XXXX, my insurance company handled the claim in the required 14 days. XXXX XXXX regional acceptance corporation a settlement check before my next car payment was due. They sent a letter through email telling to XXXX  they would release the title to them and consider the debt paid in full. XXXX decides to send them a gap payment in good faith and business acts. 

As XX/XX/XXXX regional has refused that payment 3 times. They keep calling me saying that Im 60 days behind on my car payments. I should not be behind on any car payments. They keep telling me that they will file this on my credit reports and it will look bad on 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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
2. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
5. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
6. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from 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 2023-09-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting 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 this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ". Under 15 U.S.C. 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In the process of rebuilding my credit and Ive noticed a collection on my consumer report from I.C. System Inc the original creditor is XXXX date opened was XXXX XXXX, XXXX   and the amount is {$97.00}. The reporting of such inaccurate information has caused server damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. You and your inaccurate reporting have damage my livelihood of being credit worthiness. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies

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 2019-07-18
Company: FORD MOTOR CREDIT CO.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is in reference to claim # XXXX The above claim was filed because for years Ford Motor Credit has reported a charge-off incorrectly as well as a small balance on a car loan. 

At the resolution of this claim FMC agreed to remove the balance AND the charge off from my credit. They did so for one month. 

On XX/XX/2018 the charge-off was re-ported to my credit AGAIN ... this time registering as a NEW charge-off and lowering my credit 20+ points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: BARCLAYS BANK DELAWARE
State: MA
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:
In XX/XX/2022, Barclays Bank Delaware requested a credit review on my name through XXXX. I am a current customer of Barclays '. 

When I called Barclays, they transferred me to 5 different people but did not respond to my question as to why a credit inquiry was initiated using my personal information. 

I am being extra vigilant because a few days ago, someone fraudulently used by personal information and tried to apply for a credit card on my name with XXXX. After I received the alert by XXXX that XXXX ran a credit check on me and after i confirmed the details with XXXX, I decided to be cautious and check all 3 credit bureaus for suspicious activity. This is when I saw the Barclays inquiry. 

Barclay was also unwilling to put an alert in their system for my name/ss #, in case someone tried to open an account with them using my name fraudulently.

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 2023-08-28
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX  I was a loyal customer of Chime bank 3+ years. I used my account for saving and checking as I would with any other bank. During the Pandemic I started receiving my Unemployment benefits via my Chime account ( it was my only account ) I used it for everything day to day. XX/XX/2020 Chime put a freeze on my accounts. I Reached out to Chime Via phone and Email. I was advised that I may have a been a victim of Fraud and was asked to send in Documentation. I promptly sent the necessary documents I was instructed to -to no Avail. Each time after Was asked to send in something different and I did. Each time I was given a new " reason '' as to why my funds were still frozen. Now 3 years later and still pushing to get my accounts unfrozen, Chime has offered me NOTHING. No call back My funds both checking ( {$9000.00} ) and Savings ( {$2300.00} ) have yet to be released to me. I've called almost every week and keep getting " someone will be InTouch ''. No one has called or responded to my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: United Collection Bureau, Inc.
State: NC
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 has come to my attention, thaXXXX XXXX XXXX XXXX XXXX has transfer an account to United Collection Bureau INC Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. United Collection Bureau INC is refusing to discuss my concern about their acct # XXXX, balance {$700.00} Without first verifying the information they have on file. How can I verify information that doesn't belong 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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
the 3 Bureaus haven't responded to any of my Complaints and a friend of mine told me they have to respond within 30 days and I still don't have any results of they investigation

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 2022-07-19
Company: EQUIFAX, INC.
State: TN
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXX XXXX XXXX XXXX, TN XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX, TN XXXX Employers : XXXX XXXX, TN Collecons : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, TN XXXX Employer : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX Collecons : XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
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: Account information incorrect

Complaint:
I sent letters to each 3 main credit reporting bureaus : Transunion : XXXX : XXXX I stated to each credit bureau, that there company violated federal law 15 USC 1681 ( B ) " permissiable purpose '' which stated the bureaus and collection companies must have consent to report personal information to the bureaus. These companies did not have consent and therefore made an error on my consumer credit profile that resulted in hardships during these covid hard times. The bureau made an error with a late payment on my mortgage account, which my mortagage account was in forebearance and is current and up to date, The account XXXX XXXX XXXX must be removed as a late payment or these companies must provide monetary damages to me as a consumer for violated my federal rights and violated federal law and the policies of the CFPB! Remove XXXX XXXX  as late payments mark them as current to rectify the companies error and pay monetary damages to me as a consumer.

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 2021-11-19
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2021, Community Loan Servicing ( FKA Baywide Loan Servicing ) Provided a response to my original complaint ( Reg # XXXX ) indicated they are working through an internal process to see if I am considered a successor in interest or, in the alternative if I can complete an assumption package. 


However, Community Loan Servicing LLC did not indicate that they would stop all foreclosure action on my home while their review is in process. This is unfair, unethical and I am asking for confirmation that foreclosure action be stopped while this detailed review and solution process is being worked through. 

As an important note, Community Loan Servicing LLC was fully aware of the transfer of ownership well before my complaint. Please hold all foreclosure action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citizens Bank sent me an account opening bonus for {$700.00}. {$300.00} for opening a checking account and making $ XXXX direct deposits within 60 days, {$300.00} for opening a savings account and making a {$15000.00} deposit within 10 days, and {$100.00} for doing both. I opened the account on XX/XX/2021. I called customer service today to check on the eligibility of my offer, and was told that I only qualified for the checking bonus due to the $ XXXX deposit not posting into the account until the 11th day. I made this deposit within the first week of opening the account, and an " extended hold '' seems to have been placed on my account, because standard availability did not occur, despite bringing a cashier 's check into their branch location at XXXX XXXX XXXX, XXXX, PA XXXX. I was never told about an extended hold and believe that this was done with full intentions to not pay the remaining {$400.00} bonus out. When I asked to speak with somebody higher, I was told that this was firm and they will not be paying this bonus out due to the deposit posting on the 11th day. This is entirely unreasonable and entirely shady on behalf of the bank, although this seems to be common practice with Citizens Bank. I want my {$400.00} bonus paid out on or XX/XX/XXXX, along with my checking account bonus, which is set to be paid out on that date as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: BMW Financial Services NA, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
1 I tried to return my car in XXXX but was told that the dealership wasn't accepting returns 2 When I could return the car, I was told that I needed an oil change or I would be charged {$700.00} The oil change was {$350.00} which is extremely high XX/XX/XXXX was when I returned the car. 
BMW should have paid for the oil change as part of the warranty but it had expired because I couldn't return the car. 
3 I was told that the tire rim damage was {$1100.00}, also a high number on XX/XX/XXXX. 
4 I sent a note to BMW Financial services on XXXX and they said they would give me a credit of {$450.00}. 
I noted that I was returning the car with XXXX fewer miles than the lease ( a value of XXXX to BMW ) They said I could get a credit only if I bought another BMW I noted that I had signed a contract on a specific car but BMW then couldn't deliver the car. 
5 BMW then sent me a bill on XX/XX/XXXX without the {$450.00} credit 6 I sent them a note and they sent back a new bill 7 BMW sent me a billon XXXX with the XXXX credit but the charges didn't add up. 
8 I sent them a note saying the bill was incorrect on XX/XX/XXXX 9 They then sent me a revised bill on XX/XX/XXXX increasing the tire damage by XXXX. 
10 I sent them a note that I was paying the corrected bill and would file a complaint with the CFPB. 
11 I still think I am being overcharged because BMW should have paid for the oil change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
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:
inaccurate information FCRA VIOLATION - see attachments wrong name, address, phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SINGLE FAMILY ( XXXX ) XXXX Inaccurate ( XXXX ) XXXX XXXX XXXX  XXXX Employment Inaccurate Use this reason if this is not your employer. 

XXXX Employment Inaccurate Use this reason if this is not your employer. 

remove XXXX XXXX XXXX  Account Dispute Reason Selected Edit Not mine or No knowledge of account PAYMENTS NEVER LATE - BELOW XXXX XXXX, XXXX. 
Account Dispute Reason Selected Edit Payment never late RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late

Company response to consumer: Closed with explanation