BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX is in violation of Section 602 15 USC 1681 ( a ) accuracy and fairness on credit reporting. I demand you remove all the accounts attached in the documents below immediately. Pursuant to 15 USC 1681n section 616 of the Fair Credit Reporting Act any damages can demand remedy fro {$100.00} to {$1000.00} for each violation.

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 2019-05-02
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police XXXX need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Santander has illegally and effectively excluded myself and countless others from the multistate XXXX XXXX dollar settlement. I know this because there is a whole XXXX group concerning, and based on the filings, the information in the settlement administrators website I should have been included. They never submitted a proof of income to Santander to be sure I could afford the car loan. Which I could not making XXXX dollars an hour working XXXX hours a week. Since XXXX didnt take my check stubs of which I tried to provide, I am eligible. XXXX also coerced me into agreeing to its ancillary products that didnt cover what it should have. I know I had an internal score and I know the loan was in default at the end of XXXX. I have been complaining about Santander since XXXX when I realized they were applying my payments incorrectly. There was a time I was told I could put two months to the back of the loan ONE TIME and I did since the car was in repossession status, but since they knew they were under fire they allowed customers to put two payments to the back of the loan numerous times, failing to inform me that I would be paying interest in the same amount twice, and also that this two months to the back of the loan adds extra money to the principal. When I heard about the settlement I called and tried to enact the arbitration clause, they refused. I then sent a letter of compromise that read I would pay the value of the car at that time just to be done with them in lieu of the settlement. They also refused. Since that time they have reopened the account closed in XXXX eight times, they report late or missed payments, then close it again even though they know that I have told them Im not paying them anymore money due to the settlement. They consistently and illegally report lies to all four credit reporting bureaus to effectively drop my credit score. It never fails. I have reached out to them regarding and provided proof of the consent agreement filed with the courts concerning. They try and repossess the car at all times during the night even though I rightfully own it. I have paid XXXX in interest on a XXXX XXXX from XX/XX/XXXX to XXXX of XXXX. None of my payments went to the principal amount due to their scheme. There were times I couldnt afford to feed my kids from trying to pay for a car that they just kept adding all these fees to the amount already owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Account XXXX showing XXXX, XXXX of XXXX  incorrect payment status Account XXXX showing XXXX of XXXX  incorrect payment status -Also failed to report XX/XX/2020 payment status on my consumer report. -These account has never been late or had ever been late with another Capital One in the past. -They also failed to notify me at least 21 days prior my due date. Under U.S Code 1666b, they must do so in written to notify, but had never did so. Also under 15 USC 1681i ( 2 ) ( A ) ( i ) My transactions and experiences ( such as late payments ) between myself and the lender are excluded and can not be used to construct a consumer report. " The CARES Act, which was signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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: Reporting company used your report improperly

Complaint:
In accordance with fair Credit Reporting act XXXX account has violated my rights. 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On ( XX/XX/2021 ), I wrote a letter informing the bureaus of inaccurate information on my credit report. Now to date over 30 days later I still have not heard back from them and feel like I am being taken advantage of. It clearly states in Section 611 ( a ) that after 30 days any items on my report not verified must be removed indefinitely. They have failed to do so. I demand that these items are removed immediately, if this matter is not handled I will be forced to push this matter into litigation due to the trouble I am having with this situation. My information was also impacted by the XXXX data breach a while back so my information could be in the wrong persons hands.

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 2021-02-02
Company: Rocket Mortgage, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a loan for a Primary Residence Condo in Florida asking for 10 % down and were advised on a recorded phone call by XXXX XXXX on XX/XX/XXXX2021 that this was doable as long as the condo came back as a type A property and not a type B property, which would be 25 %. On XXXX a loan estimate for 10 % down was generated and sent to us and we rate locked and signed. Later he advised if we wanted to meet our closing date he was still uncertain whether it was a type B or A and he would need to start the paperwork with a 25 % estimate until he received a response from his back office stating A or B type. On XX/XX/XXXX an e-mail was sent by XXXX stating it was type A. We kept submitting paperwork requested and near the end, 5 days before the closing, a new loan estimate was generated with more points than we had agreed to and still at 25 % down. We asked to have the rate lock honored and eventually a supervisor adjusted this but told us the 25 % down is the best Rocket Mortgage can do in the state of Florida on a condo and that type A would be 25 % down, type B would be unavailable for a loan. We were basically 'bait and switched ' after we had paid for the appraisal and had our credit scores pulled. I do not know if this is illegal but it certainly is near fraud like behavior to me. To have them request all my personal documents, and ding my credit score on a lie that they would provide a loan at 10 % down and then later on say that was never actually on option is 'truth in advertising ' violation on the initial request as we specified Florida condo and 10 % down, or sale 'bait and switch ' fraud as the salesman knew our intention and strung us along only to change the rules later on. As a result of this lie we are out of time on our purchase contract. The seller had a higher contingency offer so we will most likely lose our deposit, the property and we even already paid them XXXX for an appraisal. If we had known 10 % was unavailable we would have gone with XXXX XXXX, whom we had already started the process but would take 45 days instead of the 30 days we needed and the reason we went with Quicken Loans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-11
Company: EQUIFAX, INC.
State: TX
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXXXXXX XXXX. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: TRANSUNION INTERMEDIATE 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:
I submitted a dispute to Trans Union requesting the deletion of XXXX tax liens on my Trans Union Credit Report. On X/XX/17 I received a notice from Trans Union that they have confirmed the tax liens as verified and would not be deleting from my report.
The liens in question do not have all the necessary data verification points as now required by the National Consumer Assistance Program as it does not have my DOB and the SS # is incomplete. These should be 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 2019-09-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2019, I received a credit card I applied for from HSBC Bank. I was approved for {$4000.00} on the card. 

On XX/XX/2019, I tried to use the card to pay for repairs to my car and it was declined. I called the 800 number on the back of my card and after a 45 minute wait on hold, I got a gentleman who said the bank put a hold on the card. When I asked why, he didn't know. I asked to speak to a supervisor and again I was put on hold for close to an hour. I finally got to speak to a supervisor who said the bank put a hold on the card because I didn't send them the information they needed. When I asked what info they needed, I was told they needed proof of address and an ID. Told them I never received any request for info from them. When I activated the card they said I was free to use it, only I couldn't. 

Told the supervisor when I got home I would fax the info to her, which I did, and she said she would call me the next day at XXXX : XXXX ( Thursday, XX/XX/2019. ) after she let the bank know I had sent what they requested. I never heard a word from her or the bank. 

After I sent a proof of address, I got to thinking that they had proof of my address, they sent the credit card to that address and I activated said credit card. I also sent them a copy of my drivers license which concerns me now. 

I called the 800 number on the back of the card on XX/XX/2019, when I was not called back and was again on hold for 30 minutes. The person who answered the phone knew nothing of what was going on, so I had to tell him the whole story again. He said give me the pin number which was sent with the card. I read the number to him off of the paper they sent me. He stated that number was incorrect. I told him the number was the one they sent me. He said he would then text me a code and I was to give it to him. I read the code that he texted and he said it was wrong. Said he would resend another code. I read that code to him and he said it was wrong and he could no longer help me and he hung up. 

I got on XXXX and looked up HSBC Bank and there were numerous complaints about them and a lot of people had gone through what I had. I am beginning to think this is some kind of a scam. 

I DO NOT WANT THE CARD. I would like it closed and my credit report to be expunged of their inquiry. I don't want anything from them on my credit report, I am praying that they do not use the copy of my drivers license for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
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 Faire Credit Reporting Act, XXXX XXXX XXXX. has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This is not my account please remove it. I have already filed and requested to be taken down previously and it was removed and sold to XXXX  XXXX XXXX. and has new account number with different amount ... ... remove it.

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 2018-09-13
Company: BARCLAYS BANK DELAWARE
State: FL
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:
I bought a new iwatch two for XXXX dollars and change total witb a new Barclays credit i had obtained to improve my credit score. After two weeks I decided that it would be best to pay it off because i could miss i payment and that would be worst than trying to incresase my score by a few points, so did. 3-4 weeks later i call to see if my balance was indeed at XXXX. Surprising, my balance was over my approved credit limit. I call again in a week to see the satus of my disputed fradudelent charges and they ask me so many privacy questions ( at least 5 ) and apparently i answered one incorrectly so i get locked out of my account. I then had to mail them a copy of my id, bank statement, and social security card, not once but twice, while, my fraudulent charges where never issued a credit so although i did not owe them anymoney- i did. So not to get a late payment i sent in two payments as they requested. My onlynproblem is that they have marked one of them as 30 days lare.

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 2022-12-11
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 requested that Experian and XXXX to investigate my accounts, it has been over 30 days. 

According to 15 USC 1681I they have 30 days to investigate and send me results. 

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 2023-04-10
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Citibank recently had to change the class of stock I hold in XXXX XXXX which did not require the mailing in or out of any stock certificates. This is not something I requested as it was done by the company. Because of this Citibank charged a fee for every share of stock held to electronically convert the class. I have XXXX shares and I believe Citibank charged {$0.00} per share to basically open my account, select all shares and change from one class to a different class. The total fee came out to around {$500.00} dollars. I can understand charging a nominal fee but there was no additional work done if I had XXXX shares or 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 2019-01-08
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I sent my XXXX  XXXX XXXX back to the dealer for a factory defect. Ally is aware up until the point of the stalling issue. I did not miss one payment. Ally intern sold the car for more than it was worth. I had no knowledge of the sale until I went to Arbitration court on behalf of XXXX XXXX who sold me the car. I reached out to Ally and asked them to cease all contact with me during XX/XX/2011-present and they have been sending me letters, and also they have submitted my information to a third party who intern calls me repeatedly. I have requested that Ally abide by the statue of limitation. The statute of limitations in Florida is five years for written agreements and four years for oral agreements.The statute of limitations in Florida for an to legally pursue an old dept is five years for written agreements and four years for oral agreements. Under the Fair Credit Reporting Act, debts can appear on your credit report generally for seven years.The dept can remain on your credit reports for seven years from the release date or 10 years from the date filed. The date it was filed according to my credit report is XX/XX/2011.

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