BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-26
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I received a marketing email from Chrysler Capital at XXXX on XX/XX/2022. The preview of the email in my inbox on my phone read " XXXX, your preapproval is here! Please log in to view the status of your recent online financing application ''. 

I was immediately worried that my identity had been compromised and that someone had wrongfully submitted an application for credit with Chrysler. I immediately called the number of Chrysler Capital 's website to inquire if an application had been submitted. After spending approximately 20 minutes on hold I spoke with a representative that told me there was not an application of had been received in my name and that the email was simply marketing that in the event that I was looking for financing, I had been preapproved. 

My understanding of XXXX as I am a consumer lender for a financial institution is that deceptive marketing is determined if the following criteria are met : The statement is prominent- I have included a screenshot of the preview of the email in my inbox. It very prominently encourages me to log in to check on the status of my online application. 

The information presented is easy to understand- I believe based on the statement above, a reasonable thinking person would be lead to believe that an application had been submitted in the name of the email recipient. I believe this statement was very easy to understand. 

Is the placement of the information in a place where a consumer would be expected to look?- Yes!!!! Absolutely. Its the first thing I saw when I saw the email preview. 

Is the information in close proximity to the claim it qualifies? - My understanding of this point is rather vague, but if I understand correctly it is a material difference on if an application had been submitted, or not. My strong belief is that a reasonable thinking consumer would infer that an application had been submitted by their statement and this directly contradicts the admission by the representative via the phone call that it was a marketing effort if I needed future financing. 

In conclusion, I believe this has met the criteria of a deceptive marketing practice by Chrysler Capital. There are also aspects of the act that in my opinion also meet criteria of an abusive practice as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
I had written Transunion about this issue and they refuse to remove this hard inquiry off my credit report, I explain to them that its illegal to report hard inquiries on someone report with out there consent or proof of documentation. Which trans union fail to valid any 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 explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a XXXX  XXXX bankruptcy reporting on my credit bureau report that does not belong to me. I have made several attempts to reach out to the credit bureaus so they can perform a thorough investigation to remove this error. The credit bureaus have verified the bankruptcy every single time without providing me with any documentation that ties me directly to this erroneous blemish on my report. I contacted the courthouse because that is where the public record should be stored. They responded that they do not share information with the credit bureaus. I am confused as to how the credit bureaus can verify an item without have complete access. I feel that my rights are being violated. Furthermore, this error in reporting is hurting me financially. I am writing your organization today hoping that you can help me in getting the credit bureaus to perform a thorough investigation so that this negative bankruptcy account can be removed for my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX, XXXX, that I owed {$20000.00}. I then, IMMEDIATELY sent a certified letter asking for validity of the account before XXXX XXXX could assume the debt as mine. On XX/XX/XXXX I was notified by Transunion that the debt was now on my credit file. I then IMMEDIATELY sent a certified letter to Transunion asking for an investigation. On XX/XX/XXXX I received documentation from XXXX XXXX but it was not proving evidence that I made these such charges. I then asked for further information concluding that I made these such charges. I received nothing. I then sent a certified letter asking Transunion for a " reinvestigation '' and upon days of receiving it, they again concluded it was my debt but how? The lease states " XX/XX/XXXX keys on counter '' so how can you assume charges that were assessed over 5 months later on XX/XX/XXXX to be charges made by me? Anyone could have made those damages including vandalism. This evidence was not conclusive. Even with me pointing out the error, Transunion is still reporting the debt as mine. XXXX XXXX has not provided adequate proof that this debt is mine so Transunion should not be reporting false information on my credit file.

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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need these accounts to be removed from my report, they do not belong to me and I want this to stop affecting 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 non-monetary relief
Consumer complaint received 2020-01-06
Company: Experian Information Solutions 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:
Not my account or inquires

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 2020-01-06
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about XX/XX/19, Jefferson Capital Systems appeared on my credit report as a creditor trying to collect an alleged debt to {$20000.00} for the account number XXXX. I received no communication of this entity acquiring by transfer, assignment etc, the alleged amount in incorrect and I have a letter from XXXX showing a lesser amount owed. These are violations of the FDCPA and the FCRA, of which I have the private right to bring a suit against all parties. This has negatively affected my ability to obtain reasonable interest rates on future financial products. There is also identity theft due to the fact that my personal information, to include social security account, has been possibly breached without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: Conn's, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a contract with Conns Furniture which I was past due because my finances didnt permit me to pay. I called called them yesterday, XX/XX/2023 because I saw online an option to make 2 payments of half my regular monthly payment of {$97.00} to bring my account current. I was told I could do that, but a manager gets in the phone and says if I can pay {$290.00}, they would match the payment and not only would my account be made current, but my next payment wouldnt be due until XX/XX/2023. I borrowed money to take that optio. I was not sent a receipt or copy of agreement as promised. I checked my account today and saw Im still past due. I called back and was told I am still past due. It wouldnt make sense for me to pay almost {$300.00} vs paying {$97.00} to become current. They flat out lied. I asked they contact the manager and representative who made the deal since everything is noted and they said no. I asked to pull the recorded call and they said no.This company committed fraud to get me to pay more than necessary to bring my account current and never honored their end. I need help resolving this matter ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Barclaycard.us and their other brand XXXX WEBSITES NOT WORKING Both websites are DOWN repeatedly. This started several months ago. It is impossible to 1 ) see and verify your card usage 2 ) pay your bill online I have 1 ) called the company several times 2 ) been transferred to tech support 3 )  talked to them for over 45 minutes 4 ) cleared cache, cookies 5 ) rebooted computer They are unable 1 ) to resolve the issue 2 ) to provide a contact email where screenshots and complaints may be sent They can take a payment over the phone. But you can not view your account history if you can not log into your account and are signed up for paperless billing! 

So I went to their XXXX page for help. XXXX XXXX XXXX Here, if you look at Posts from Others, and Comments below the Barclay 's posts themselves, you can see numerous consumers stating the same thing since XXXX. And the response from Barclay 's each time is 'our website is working ' and 'call us ' You can also see that the site has been down here XXXX XXXX XXXX It would be irresponsible to use these cards if I can not verify my account activity online. 
This issue has been continuing over several months. It is apparent that the company has been notified numerous times. This issue needs immediate resolution. 

Moreover, this is very concerning because twice last year I was issued a new card and account # from Barclays ( I did not request one. ) When I called to ask why, they said it was due to a data breech on their end. But their mailing simply said " here is your new card '' and did not disclose any data breech.

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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$5900.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$29000.00}.

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 non-monetary relief
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: GA
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/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days 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 demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: EQUIFAX, 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:
Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Regarding USAA Federal Savings Bank I received a call from USAA ( representative sounded female ) on XXXX XXXX, XX/XX/2019 at XXXX PST. The rep told me that my checking account has been locked due to fraudulent activity. I asked her what the activity was and she stated that she did not have access to that information and that I would need to call back after XXXX during normal business hours to get more information and unlock it. 
I called back on Thursday morning XX/XX/2019. I was told by the rep that I needed to change my PIN. I did this. 
I logged in to my account to find that my account had been thoroughly wiped out and used as a platform for fraudulent deposits ( about $ 39k ) and subsequent purchases ( $ 50k in debits ). There were at least 50 transactions processed in the window of time when the bank was closed. I had nothing to do with any of these and immediately called USAA back. The reps claimed I called USAA to have funds release and that I claimed they were valid. I made no such calls and have sent my XXXX phone bill to prove the calls did not come from my number. Someone fabricated this or spoofed (? is that the term? ) my phone number. 
I have now come to realize that one of the biggest challenges in dealing with an issue at USAA is that there is no ability to communicate seamlessly about an issue with a single person or entity. Every communication begins brand new and as a " member '', I must completely start at the beginning every single time I call in. I can not reference a " case number '' or issue id. Furthermore, I have come to understand that the representative 's NOTES concerning the phone calls we have can be completely fabricated. I discovered this today in speaking to the 15th ( + or - a couple ) representative who informed me that he sees a note on my record from the evening of XX/XX/XXXX that reads " Member called in and claims all charges are valid ''. This is false. I was under the impression that calls were recorded but apparently this is not the case either. I am at the mercy of their " notes '' that can be written to their benefit or to hide something they have done. 

I have submitted complaints to USAA as well as logged a police report. If identified through the police detective work, I will press charges against the criminals who used a debit card that was linked to my checking account. 

I need consumer protection help because my money was mismanaged by the very bank I trusted to safeguard it. I believe there were internal forces at work here to enable such a well planned gutting of my account. 

Attached are the fraudulent transactions, my XXXX phone log, one written complaint uploaded to the USAA portal and the Police Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-13
Company: Conn's, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have not received any correspondence from collection agency to validate this account. I disputed several times to get this information. I asked for information regarding by account XX/XX/2023. I have since not received any of the original signed documents. I am also requesting documentation that agency owns this debt, and can legally collect in North Carolina. Please remove this account from all 3 credit bureaus until information can be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello, this is in response to the below complaint which was closed. The Bank needed a W9 which was provided and received. After doing all that work, I just called them, and they are still not honoring the promo bonus. I am beyond frustrated with this company and its treatment of their customers. I hope it can be resolved since they won't do it alone. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 PRODUCT Checking or savings account ISSUE Managing an 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 2022-01-26
Company: EQUIFAX, 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 filed for verification of bankruptcy from XXXX, XXXX, and Equifax. Each bureau states XXXX. However, the XXXX  XXXX is not on my XXXX report and I have sent my XXXX report to each bureau. I would like verification of where this information was obtained or removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
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 filed for verification of bankruptcy from XXXX, TransUnion, and XXXX. Each bureau states XXXX. However, the XXXX XXXX  is not on my XXXX report and I have sent my XXXX report to each bureau. I would like verification of where this information was obtained or removed from my 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 2022-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I contacted Capital One due to an unrecognized transaction on XX/XX/2022 made through XXXX. I received an email stating that my account may be closed out. I called Capital One and was told by a rep that my account was closed and that my funds were frozen and I had to request a one-time exception to have funds sent to an external bank via ACH. I think it is ridiculous to shut down someone's bank account where their lively hoods are being sent just because they reported an unrecognized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: EQUIFAX, INC.
State: GA
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting 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:
attention a violation of the Fair Credit Reporting Act ( FCRA ) that I believe has occurred in connection with my credit report. I have recently obtained a copy of my credit report from your agency and have identified the following inquiries 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation