BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-25
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
XX/XX/XXXX I was looking to buy a used truck for under {$10000.00} I found on the internet. I knew my credit score was weak because I just did my annual free credit report.i found the truck and wanted to make a deal. I then was told that no finance company would do a contract due to the miles and that I needed to look for a more higher price vehicle to guarantee financing.So I was pointed to a XXXX XXXX XXXX XXXX.which had a sticker price marked at {$18000.00} on the window the basic model car I then went ahead and just told them to pre screen me to see if I qualify for a loan on the car, I didn't even test drive the car because I didn't think I would be able to afford it.so while in the office I mentioned to the dealership manager that my sister was a employee at their dealership and he assured me that I would be taken care of.ok while the contract was being drawn up the manager walks in the salesmans office and says by the way I'm throwing in a service contract for your car it's really good and it will help your deal go through because finance company 's like that your protecting your investment I mentioned to him it's a new car doesn't it have a factory warranty? His response was I needed it to assure me the loan and I can remove after 6 months.I honestly felt I can trust him being that I have family working there.So then he comes with my credit report and asks me if I was in jail for like 10 years or something why I did not have any sign of revolving credit or bank account or credit cards? I told him I had a car reposessd in XX/XX/XXXX and that it just depressed me and would never let it happen again so I was just cash on hand.he mentioned that no bank would give me a interest at 3 % which is what I asked for I had a lack of credit history total debt was {$1100.00} how a 13.9 % interest rate on my final contract and i was told only chrysler capital was the only one who could finance me was odd. 6 months go by I remove service contract, and I am devastated when I hear XXXX is stopping production on the XXXX.I saw a msrp in XX/XX/XXXX of {$21000.00} fall to {$13000.00} with factory rebates on the same purchase I just made 6 months prior.I can't refinance car because I owe {$16000.00} on a car that was financed at 13.9 % all my payments of $ XXXXmore the 3/4 going towards interest I know cars lose value but this is like a robbery on paper I wrote dealership various letters with no response.all I ask is a fair deal, I like the car.i paint cars for a living and I did some awesome upgrades to the car I want the dealership to rewrite the deal at a lower interest rate without the service contract so it doesn't inflate the price from when I bought the car with the {$1000.00} down I put on it and I don't think it's fair to be mislead into buying a car because of the price keep in mind I walked in looking for a truck.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a XXXX veteran trying tp purchase a home. I noticed that XXXX XXXX is duplicated twice on my XXXX report listed below. I dont owe this company anything. 
According to Louisiana state law CC 2682. 
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I have not XXXX, Transunion have not showed proof please remove. This is affecting my ability to provide shelter for my family. 
XXXX 1. Date Reported : XX/XX/XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1500.00} XXXX XXXX XXXX   Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: TD BANK US HOLDING COMPANY
State: NJ
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: Experian Information Solutions Inc.
State: AZ
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 following account is a fraudulent account : XXXX XXXX  XXXX Mastercard : XXXX. I never applied for this account. Its a fraudulent and unauthorized 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 2021-04-24
Company: NCB Management Services Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
NCB Management as well as XXXX continue to report a discharged account as an active collection account after a Chapter XXXX bankruptcy. The account has a XXXX balance due to discharge, and per bankruptcy law it is illegal to attempt to collect on any balance discharged in a bankruptcy. And therefore, if they are reporting it as an active collection account- this is illegal and they are in violation of bankruptcy law which is a civil offense. Attorney consult and possible litigation against both companies pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: CCS Financial Services, Inc.
State: MD
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 have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ), XXXX XXXX ( Original Creditor : 10 XXXX XXXX, and CREDIT COLL ( Original Creditor : 06 XXXX   XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ), XXXX XXXX ( Original Creditor : 10 XXXX ), and CREDIT COLL ( Original Creditor : 06 XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: AmeriCollect
State: NJ
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint is more of a means to ensure something gets done rather than a complaint for something illegal a company is doing. Although I must say the company in question has harmed me by their inaction.

Capitol One has an account listed on my credit report. I am listed as an authorized user. The problem is that the account is not mine and I have never used the card. It belongs to my sister. My sister has already contacted the company months ago and multiple times over the last few weeks to have me removed from this credit card account as the debt on the card is preventing me and my husband for qualifying for a home.

Multiple times the creditor has told my sister that I would be removed and promised a letter to her. My sister has never received this letter and I am still on the account. It was not until today, 43 days after I was denied for a home loan, and multiple weeks after numerous phone calls that Capitol One finally stated to me that they would send me a notice claiming they had removed me from this account and any credit reporting. Normally this would be enough for me to be happy but considering they have already promised this multiple times to my sister without actually happening then I have no faith in them and am filing this complaint in order to ensure compliance. More so due to the fact that it took me 33 minutes on the phone before I was finally able to convince them to even talk to me and remove me from this account that isn't mine!

That's all i'm asking for and I hope this time it gets done. Also, they said it would take 60 days for it to reflect on my credit report but I know it should only be 30.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have inquired multiple times with the company to verify HOW DID THEY VERIFY the accounts in question. I have asked whom did they speak with to verify the accounts along with other questions and the could not verify that they legally verified the accounts. 

I had asked if they could not tell me how they legally verified the accounts that I would want the accounts removed from my file. 

The company had over 45 days to show proof of their verification process and I have not heard back from the company.

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 2020-08-20
Company: Experian Information Solutions Inc.
State: AZ
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:
This is my second complaint against Experian. I have asked them to correctly report my accounts, and make the corrections not to what I want, but to the letter of the law. What they did was nothing, they sent me a XXXX card in the mail with the FCRA on it, without their name even on it, I had to look up the return address. All I am asking is that they do what the law REQUIRES THEM TO DO. nothing more. If they reinvestigate an item ( XXXX XXXX XXXX ) for accuracy, then I need to be told what exactly they did during the reinvestigation. If they can not provide that, then the entry is removed. Pretty cut and dry. In response they told me they are not obligated to tell me anything. I have it in an email. They said that and they were not forwarding me the information. Period. That is against the law and they need to be held accountable. I will not let this go. In addition on my bankruptcy Items ( XXXX XXXXl ) They are reporting dates, balances, terms, etc. BY LAW they are to report paid in full and the discharged bankruptcy date. No balances, no terms nothing. They have been asked to correct 5 times, and 5 times they are refusing. They need to be fined and this handled. Since they can not report it correctly, then remove it. Period, I will carry this to the highest levels I promise. They expect us to follow policy, they need to. I insist that the CFPB directly deal with this repeat offender.

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 2018-02-22
Company: CCS Financial Services, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I previously had XXXX car insurance and when switching to another company I contacted them and asked for my final payment to close the account in good standing. I paid the amount that I was told through auto debit through my credit card. 

Upon looking at my most recent credit report it is showing that I have a {$64.00} balance that is now in collections. This is an error and I would like the account to be removed as the account was in good standing when I closed it, but now it's seriously affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021 sent a 3 letters regarding fraudulent accounts on my credit report. To this day over 60 days later and I still have not received a response yet. I like im being take advantage pf and being ignored of my disputes.Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I was also affected by equifax breach and ive been getting alert that my information was compromised on the dark web. I have never done business with these companies and i am asking that these fraudlent account tp be removed. I have attached my Drivers license and the FTC reports and Social.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Credit Karma, LLC
State: MA
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:
Our mortgage was remodified so it shows late payments which I understand, however all payments have been made on time since XX/XX/2017. There have been 19 payments on time since the modification. This just appeared on my report a few months ago?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: AES/PHEAA
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent multiple debt validation letters to the credit bureaus and the company with the most recent letter dated XX/XX/18. I have received a written response from the company. However, they never provided me with any documentation showing that I owed a debt to them. I have tried to resolve this issue for the last two years with no avail. However, they continue to report incorrect information on my report without adequately responding to my debt validation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was hospitalized from XXXX to XXXX in XXXX ky I have state XXXX which I fully covered I received a bill from GLA collection company telling me I owe {$560.00} for service received from XXXX XXXX XXXX I called XXXX. Insurance they said it covered so I called GLA to respond to letter they were rude told me it's in my name pay the bill would not even let me explain what I found out from XXXX  I want it remove immediately from credit it hurt me getting a loan & credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: CU Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
In XX/XX/2018 I started to get repeated phone calls in such a short period of time from the same number registered out of XXXX, Minnesota. Many times, the calls would total 4 in a 15 minute period. I figured it was a telemarketer. Throughout the month and into XX/XX/XXXX, the same pattern every other day. Soon after, the messages where asking to call back the number and ask for XXXX XXXX ( aliases ). Last week, I return to my office from lunch and there are repeated messages from the operator via the messaging center alerting me that a XXXX XXXX is attempting to call you and has called several times, " please advise ''. I call the number left and asked who are you and why do you keep calling. He stated " I will ask the questions and let 's start by your last four of social security. I said don't ever call here again. He laughed and said " grow up ''. He then hung up and called back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Company : Bank of America Account type : Credit Card Issue : Data breach/card compromised. Was not notified in any way. I noticed on my Bank of America application that I had 2 credit card numbers with large balances. I hold only one card with them. I called and was informed of a data breach and that I would be issued a new card. They did not notify me of this in anyway. I was told that a letter would be sent with my new card. Additionally, I would imagine that this affected my FICO and Credit score sense I was showing twice the amount of debt that I actually owe. After the call with customer support they deleted all of my precious card information from my account. Now I can not review it to see if there were any discrepancies, charges, fraudulent activity, etc ... This can not be allowed. I feel that I was taken advantage of, lied to by omission, and treated unfairly. 

This issue occurred back in XX/XX/2019 according to the statements that i have available and the change to my account was made today after I discovered the issue.

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 2021-07-13
Company: Radius Global Solutions LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
As a consumer, my rights have been violated as followed, This debt collector as defined in 15 US Code 1692a has 1. stated that I owe an alleged debt - 15 US Code 1692b ( 2 ) 2. contacted me about an alleged debt with out permission - 15 US Code 1692c ( a ) 3. stated that this is a communication to collect a debt - 15 US Code 1692b ( 5 ) 4. harassed me with letters claiming I owe this alleged debt ( profane language - 15 US Code 1692d ( 2 ) 5. threatened my reputation with this alleged debt - 15 US Code 1692d ( 1 )

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