BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On around XX/XX/XXXX XXXX XXXXl Services Account Vice President has stated on phone conversations that the negatives of 30-60-90 days was going to be deleted to support me on my XXXX XXXX and home purchase in Florida. 
Now, she denies that she didn't promise me.This a act of Discrimination and Retaliation against me as a XXXX XXXX American and XXXX XXXX 
XXXX administration are Retaliating because I filed various Federal Government complaints since XXXX and Present. 

XXXX XXXX XXXX credit report shows that XXXX XXXX XXXX contacted XXXX and deleted the negatives on my credit report on XXXX XXXX. 
I have a XXXX XXXX of XXXX on XXXX 

Respectfully Prestige has violated my XXXX XXXX Civil Rights Act under Department of Justice.I am XXXX Lifetime and XXXX.I am a 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 2023-04-12
Company: Berlin-Wheeler, Inc. (Kansas)
State: NV
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:
Im filing a dispute on XXXXXXXX XXXX they have two different creditors, pending against my credit and it unlawfully for them to do that

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 2021-09-06
Company: ARS National Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sir or Madam, I received letters from ARS stating I owe a few debts. I am requesting a validation of debt. I am distressed and annoyed and fearful from being harassed by these debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: I.C. System, Inc.
State: PA
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:
XXXX bill. I have disputed with the credit bureau, XXXX, and the collection agency. I was never contacted before this debt collector destroyed my credit! I never had a chance to prove that this is not my 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 2021-09-22
Company: Elite Financial Services, Inc.
State: SC
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 purchased a vehicle back in 2016. Less than 30 days of having vehicle the car put me on side of road. Company said they would fix but they did not and kept having issues. I turned car back to finance company a month later and have not made payments. The Elite company has me listed as current and making payments. I have not made payments in years since surrendering vehicle. It is listed on my credit report for involuntary repossession. This is information is invalid and false and is affecting my score and debt to income ratio. I need it to be removed immediately. I have sent out letters and nothing has changed and no response. I have always checked into the companies reviews and ratings saw similar complaints and unprofessional customer service with low ratings.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-25
Company: EQUIFAX, 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've tried several times with Equifax and provided detailed information but Equifax continues to report XXXX XXXX XXXX accounts on my credit report as well as XXXX XXXX XXXX. Also its noted on file with CFPB that XXXX XXXX XXXX never submitted any contract that I had with the company and they would note a cease and desist. Also on file XXXX XXXX XXXX has yet to provide anything pertaining to me or the name that this company is using.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
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 status incorrect

Complaint:
XXXX is again reporting as a missed payment.

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 2020-10-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
On XX/XX/2020 I did an online deposit of 4 checks into my checking account at Chase bank. The next day on XX/XX/XXXX my account got closed and Chase refused to tell me why the account was closed and how, but they did say that I would be receiving the funds that I deposited in the mail in a cashiers check in 7-10 business days. I waited until 11 business days and then I called back to check the status of those checks and they told me to wait another 7-10 business days so I did, and I still did not receive anything. I called again and they said that I could deposit the old checks into my new bank  account. I tried that on XX/XX/XXXX, and the check bounced on XX/XX/XXXX, and I had to pay a {$10.00} fee because of the bounced checks. After this I called again and Chase told me that this was a fault on their end and they had the cashiers checks there waiting to be mailed out. The lady I spoke with guaranteed that I would be receiving  the checks by XX/XX/XXXX the latest. I waited until then and I still have not received my money. I called back again, and Chase stated that they sent my checks back to the maker on XX/XX/XXXX, so I called my job, and they told me to get a note or some type of verification from Chase stating that my money was sent back, and Chase refused to send me a verification of my money being sent back. Chase bank has refused to give me my hard earned money, and they even refused to confirm that the checks were truly sent back to their makers. I have tried everything, and I have been more than patient. I have financial obligations that my money is designated towards, and if I do not receive my money back from Chase I will get a lawyer and take this to the media.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
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: Old information reappears or never goes away

Complaint:
I'm writtining You to dispute old accounts on my credit report. By law, credit bureaus are only allowed to list negative items for a certain amount of time. For most negative information, the time limit is only seven years ( or seven years + 180 days for a charge-off ) : Bankruptcy chapter XXXX-discharged Date Filed/Reported : XX/XX/2011 Reference No. : 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 2023-05-26
Company: Experian Information Solutions Inc.
State: DE
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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 this creditor 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 instructions. Under 15 USC 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mother passed on XX/XX/XXXX this year. She originally had her mortgage with XXXX XXXX XXXX. I had issues getting confirmed as successor in interest, and opened a CFPB complaint # XXXX. In XXXX 's response to the complaint I was XXXX  records indicate that on or around XX/XX/XXXX, Mr. XXXX was added as the Successor in Interest to the Loan originated by his mother, XXXX XXXX ( Ms. XXXX ). After this pocess, I started to work on assuming the loan and bring it current with XXXX XXXX during XX/XX/XXXX, I found out they had sold the loan to Carrington Mortgage Services LLC in XXXX. I received a welcome packet on XX/XX/XXXX requesting documents to prove I'm the successor in interest. Carrington is claiming they did not receive any paperwork from XXXX XXXX XXXX showing I was approved as the successor in interest. I don't believe it is on me to AGAIN prove I'm the Successor in interest on this account. After many calls to Carrington, they still won't provide the opportunity to assume my mother 's loan or bring it current with a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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:
I received my reinvestigation back from XXXX, TransUnion and XXXX .They said everything is 100 % Complete and Accurate. I would like to receive the Description Of Reinvestigation Procedure According to FCRA 15 USC 1681i ( 7 ).

Because the list of account below are NOT ACCURATE. The Open date, date last active, account type, date last payment, past due, Last Reported and Payment History is NOT 100 % accurate. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX They did not modify or delete the inaccurate Information on my consumer report according to the FCRA 15 USC 1681i ( 5 ) ( A ) ( i ) I attached a copy of my Consumer report maked with all of the INACCURATE 'S as evidence.

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 2021-01-29
Company: RoundPoint Mortgage Servicing LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Over the past several years they have misapplied payments and not taken escrow payments correctly leading to incorrect reports on my credit and wildly changing mortgage amounts. I have frequently tried to address the problem with long phone calls but nobody seems to be able to correct the problem. Requests for documents go to a secure online folder which you don't get an invitation for until after the document has expired. I get wildly disparate statements on the same day.

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 2021-11-01
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Statement of facts I performed a credit transaction with Santander consumer USA XX/XX/2019. I notice that there was a loan application with SANTANDER CONSUMER USA which I do not agree with. I am a consumer/natural person and my rights have been violated. I have reached out to SANTANDER CONSUMER USA stating my rights and federal laws that they have violated. State laws does not trump federal law. 1 ) They have violated TILA 15 USC 1605 Determination of finance charge. The finance charge does not include charges of a type payable in a comparable cash transaction. They required that I pay { {$2000.00} }. They have also violated 15 USC 1611 ( 1 ) Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, There is no limitation on fraud. They also violated 15 USC 1640 ( a ) ( 1 ) Individual or class action for damages ; amount of award ; factors determining amount of award Except as otherwise provided in this section, any creditor who fails to comply with any requirement imposed under this part, including any requirement under section 1635 of this title, subsection ( f ) or ( g ) of section 1641 of this title, or part D or E of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of the failure ; SANTANDER CONSUMER USA failed to inform me of my federally protected right to terminate my credit transaction according to 15 USC 1635 Right of rescission with regulations stated under 12 CFR 226.15, 12 1026.23 RIGHT TO RESCISSION. After reaching out to SANTANDER CONSUMER USA they expressed to me the consumer natural person I didnt have the right to terminate my contract by any means in the state of Texas XXXX Implementing my federal rights were no longer protected, yet somehow SANTANDER CONSUMER USA still operated under TILA. According to the law violating these terms results in a fine DOUBLE the finance charge. This complaint will be forwarded to the correct department federally and locally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Experian Information Solutions Inc.
State: MI
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 sent a letter on XX/XX/XXXX Experian and XXXX asking to verify inaccurate information on my credit report. its been more than XXXX  days and I have not yet heard back from either bureau regarding the 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 2023-02-09
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citi bank company is bad business, 2 fake business, fraud me XXXX XXXX until I go to XXXX bank and report to Cfpb. Then now they still no paid back 2 return check fees {$24.00}, and {$700.00} bonus. 
I think citi bank should never has local in Texas, or even in the XXXX as well. 
Citi branch should close permanent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 received a copy of my credit report recently as noticed a few things that was being reported might not be correct. I have asked both Credit bureaus and the creditor to start an investigation and send information on this account and they have failed to do so. I also read the FAIR CREDIT REPORTING ACT it stated that I have the right to challenge anything Im not sure is accurate on my report. They are reporting things on me that is not accurate and will not provide proof or accurate reports that match. 

Im also familiar with 15 U.S.C. Sec. 1681i ( a ). It stats that you cant provide proof these account are 100 % accurate they must be deleted. I have disputed this account for almost a year and they only I get back is verified with no information changing. This is a clear violation of my consumer right and its defamation of character as well. The lawyer I spoke with said I should contact you guys before taking legal actions. I noticed one for the credit bureaus deleted the account because the information reported was not accurate. I know by law I have to give you 30 days to investigate so please investigate this issue and delete the accounts for false and inaccurate reporting. After this investigation report please send me an updated copy of all three reports Name of account : XXXX Account number : XXXX Issues : charged off open date closed date reported balance last payment Please provide proof that this account is being reported 100 % accurate or delete this account from my credit profile Thank you

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 2023-02-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This company let someone over draw my account and expect me to pay. I asked them to dispute the charges and closed the account they told me that unless the balance is paid i can't closed the account. i have did a police report even called and chatted with someone and they offer no solution to this account and unknown credit card that i didn't apply for. This company owed me {$780.00} dollars for a previous account that they closed but the money mysterious disappeared and they offer no solution. They don't communicate with each other so nobody know how the account gotten overdrawn, nobody know where or how the credit card got open and nobody knows where XXXX XXXX dollars went too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 a company wfds auto financing ran a credit report without my knowledge or consent. I called the company to see how the obtained my information and was told that after report is ran there is nothing that can be done unless I call the credit bureau. I have no additional documents because I was unaware of this happening. I would like to add that I did lose my wallet and important documents which may have resulted in identity theft. 

thank you

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 2019-02-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Response received from Walmart through the CFPB report is not accurate. On top the problems of fraud and scam continue. An e mail received from Walmart states that Walmart did not receive payment for the month of XX/XX/2019. However, I have the receipt of payment posted on XX/XX/2019. The amount credited ( XXXX ) is not the correct amount. My balance with Walmart was XXXX after I had made 2 payments on an adult trike and a XXXX tablet. Those are the only two items I charged to my account. Any other charges falsely Walmart has posted gave to be removed as I did not authorize. If Walmart insist in posting false charges, provide me a video of when did I go to store to obtain any other items. As everyone knows Walmart has records of cameras and times people shop. I need to see my account cleared. The response received is not accepted and is fraud. Do not charge me for things I do not acquire. I have posted this in the XXXX credit report and I have a receipt for the payment made in XX/XX/2019 XX/XX/2019

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 2020-11-05
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2020 I sent a letter to Collection Bureau of America for validation of an alleged debt in the amount of {$2.00}, XXXX ( Please see attachment ). I never received a response nor anything notifying me of the debt. In addition, Collection Bureau of America failed to notify the Credit reporting Agencies that the account was being disputed by me as required under the Metro 2, and FCRA and FDCPA.

Company response to consumer: Closed with explanation