BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-30
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Car was turned in and lease terminatedXX/XX/XXXX, plate were returned to DMV early XX/XX/XXXX. For some reason my account with XXXX XXXX   continues to remain open with XXXX XXXX though I have not had the car since last XX/XX/XXXX. I do not have any vehicles through XXXX XXXX at this time. In XX/XX/XXXX an accidental payment of XXXX was made on this account that I did not even know was even open any longer. I contacted XXXX   and was asked to provide proof that plates were handed into the DMV because I was being charged for property tax. I emailed and provided this info to an email address that was provided by XXXX XXXX. I have called several times between XX/XX/XXXX and now XX/XX/XXXX and my money has not been returned to me with not through explaination why. On several occasions I have put in phone calls and sat on hold for extended periods of time. I have been told that I would recieve phone calls back and nothing has happened. I am still waiting for my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Collection Bureau of America Ltd.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against XXXX XXXX XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2020 ( {$25.00} ) : Paid seller via Venmo {$25.00} for a product. 
Seller substantially misrepresented and falsely advertised the product/ did not provide what was purchased. Seller has refused to refund or provide the product that was purchased. 
XX/XX/2020 : Opened chat support with Venmo agent XXXX XXXX for support ( ticket # XXXX ). Was informed Venmo would reach out via email if any information was necessary, but no other information was provided. 
XX/XX/2020 : ( {$25.00} ) : Transaction from Venmo posted to my checking account, withdrawing {$25.00} from said account. 

Seller committed fraud. 
Merchant ( Venmo ) offered no apparent protections for the purchasing/sale of goods via their platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
On XX/XX/2021 XXXX app showing my XXXX score of XXXX, possible reason affecting the score is high revolving account balance and number of delinquency. However on XX/XX/2021 Equifax website showing my XXXX score of XXXX. Contacted XXXX Bank for resolution, XXXX Bank refuse to make any changes and reason being they show score they received from Equifax. Equifax unable to make any changed because the credit report with Equifax is correct and ask me to contact XXXX. I'm being pushed around with both parties blame each other instead of fixing the problem. Somehow somewhere Equifax gave XXXX Bank someone else 's credit report/score and is attached to my XXXX Credit card Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Contacted Credit card company regarding an online purchase for event tickets which I have not received yet. The event is on XX/XX/XXXX - I purchased them on XX/XX/XXXX and expected to receive them by now. No actions were taken by my credit card company - they allowed this 3rd party ticket vendor to charge me almost a year in advance and they will not take this {$3000.00} charge off of my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was going over my credit report and there is inaccurate information in the details, accounts that was discharge listed that have been reported are not accurate the is a bankruptcy that is not accurate on my file. I have the release documentation for all the Liens listed on my credit report. 1. Lien # XXXX 2. Lien #  XXXX 3. Lien # 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 2018-04-13
Company: Risecredit, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
When I took out the loan I did not understand the terms that I would be paying almost 600 monthly and that the payments were biweekly if this were made clear I would have never taken out this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Uplift, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I planned a trip to Hawaii for XX/XX/XXXX using Uplift Inc. I paid off my vacation in XX/XX/XXXX. In XX/XX/XXXX - Covid XXXX pandemic happened. Hawaii shut down. I cancelled my trip on XX/XX/XXXX. I was told I would get a refund in 90 days. As of XX/XX/XXXX I have yet to receive my refund. I spoke with my bank and informed them that it had been 90 days and I had not received my refund. The bank said this was unacceptable and returned my money and notified Uplift. Uplift has now turned me into a collection agency who is after me hurting my perfect credit score. I always pay my bills.. I am NEVER late. They are wanting me to pay for a trip that I never received and Hawaii is still closed. I want them to take off the bad remarks on my credit score. I DID pay them ... I paid them in FULL XX/XX/XXXX. When the pandemic happened - I cancelled and waited 90 days for my refund of {$4300.00}. I do not want to be called by collection agencies for money that they say I owe for a trip that I never got to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX - SENT LETTERS TO ALL 3 BUREAUS DISPUTING ACCOUNT INFORMATION AND REQUESTED A FULL INVESTIGATION TO VERIFY POTENTIALLY ERROUNOUS INFORMATION AND DETERMINE IF THE ACCOUNT NEEDED TO BE REMOVED. I ALSO ASKED FOR AN UPDATED CREDIT REPORT AND IF ANYTHING IS VERIFIED I REQUESTED A COPY OF ANY PAPERWORK USED TO MAKE THIS DETERMINATION RESULTS : VERIFIED INFORMATION NO EXPLANATION NO UPDATED REPORT WITH ANY EXPLANATION OR DETAILS ON INVESTIGATION XX/XX/XXXX - SENT A REQUEST FOR A RE INVESTIGATION. STATED THST THE INFORMATION COULDNT POSSIBLY BE VERIFIED BECAUSE THE INFORMATION WAS STILL INACCURATE AND DIFFERENT ACCROSS ALL XXXX BUREAUS. 
RESULTS : VERIFIED WITHOUT ANY CHANGES OR EXPLAINATION. 

XX/XX/XXXX ASKED FOR A FULL INVESTIGATIION AND DISPUTED ACCOUNT AGAIN. THIS TIME ASKING FOR FULL DETAILS ON INVESTIGATION RESULTS : NO CHANGES MADE NO INFORMATION PROVIDED XX/XX/XXXX : REQUESTED AN INVESTIGTION AND DISPUTED INFORMATION ON ALL XXXX CREDIT REPORTS RESULTS : NO RESPONSE ALSO I QUALIFIED FOR ACCOUNTD TO BE DISCHARGED. THE AMOUNTS WERE REMOVED NOT THE DERROGATORY INFORMATION. ALL DERROGATORY INFORMATION MUST BE REMOVED IMMEDIATELY OR DELETE ACCOUNTS ALTOGETHER. 

PLEASE REFER TO ATTACHED DOCUMENTS FOR CLARITY

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 2021-04-07
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: Their investigation did not fix an error on your report

Complaint:
Sent certified mail delivered in the XXXX on XXXX stating this account XXXX XXXX XXXX was not mine and may be fraud. I have many open accounts with XXXX XXXX in good standing and this must be a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
i refinanced my home on XX/XX/XXXX with XXXX XXXX XXXX ( XXXX ) in the amount of XXXX dollars. XXXX did not payoff and satisfy the XXXX XXXX as stipulated in the Promissory note recorded by XXXX on XX/XX/XXXX. XXXX has been falsely reporting to the 3 primary credit reporting agencies ( XXXX, XXXX, and Equifax. ) XXXX has been claiming I have 2 loans with their bank since day one and I am presently indebted to XXXX in the amount totaling XXXX dollars. XXXX has been reporting my mortgage loan erroneously by variously titling my single transaction as a Real Estate- Jr. Lien/ Non Purchase Money loan while simultaneously retiling the same transaction as Installment Account Open, On XX/XX/XXXX XXXX and their attorneys XXXX XXXX XXXX XXXX , XXXX XXXX XXXX refused to pay XXXX the outstanding balance and proceeded to demand XXXX to " charge it off to me and release the satisfaction statement to XXXX. XXXX has exaggerated my indebtedness and has caused irreparable harm to my credit worthiness. I disputed with the 3 primary credit bureaus? ( XXXX, XXXX, and Equifax ) I also asked XXXX to correct errors and they failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have been disputing the negative information shown on my report again and again. 
Since XX/XX/XXXX and every time they the information and the negative accounts belong to me and they verified it as accurate. 

I requested them to send me method of verification that they have used, name of peple/company they have contacted and their phone numbers, I also requested what are documents that justify the negative accounts shown on my report are accurate within 15 days from the receipt of the letter. It was requested on XXXX XXXX and its been 15 days already and I have recently received letters from them saying, I need to contact the creditors directly.

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 2019-03-19
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX of 2019, US Bank closed all my bank accounts ( 3 business and 1 personal ) with no explanation and no justifiable cause. I requested a detailed explanation and they refused. This caused alot of issues in operating my business as well as paying my personal bills which led to negative reporting to the 3 major bureaus as a result of US Bank denying the payments to process. It took US Bank over 1 month to close my accounts and release me money in the accounts which was over {$55000.00}. They held my money hostage without my access for over 1 month. I complained to the branch manager and to corporate but all of them ignored my complaints. Lastly, I had filed 3 wire fraud claims amounting to over {$230000.00} involving a scam by a person and US Bank denied to help me then refused to open the claim to recover my money.

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 2020-05-16
Company: EQUIFAX, INC.
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:
On XX/XX/2020 I went to my bank to apply for the Paycheck Protection Program offered by the government to pay my employees. On XX/XX/2020 I was denied because of negative remarks on my credit profile. After going over my credit report with my banker I found accounts that never belong to me. I never authorized these accounts to be opened in my name nor did I receive any type of money or benefits from them. There is also a bankruptcy under public records that does not belong to me. I have never filed bankruptcy and have never been in a position where I needed to file bankruptcy. I tried calling the bankruptcy courts to resolve this matter but have not received any response. On top of all these accounts someone has been running my credit as there are multiple auto loan and credit card inquiries. I did not authorize any of these inquiries. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Im submitting this complaint on the Decline Letter i received, i'm sure the ADVERSE ACTION LETTER will be coming in the mail soon by law, I had to screenshot due to LIGHTSTREAM not allowing any kind of downloading from the email they sent so i apologize for that.

LIGHTSTREAM has stated they obtained my credit score from my XXXX  report and under the fair credit reporting act I'm entitled to know the information provided to them. I have thoroughly read over the FCRA and I did not find anywhere in that subchapter of a denial of credit in the adverse action section. So I'm confused as to how LIGHTSTREAM denied my Personal Loan? What is credit? The term credit means the RIGHT GRANTED by a creditor ( refers only to a PERSON who both regularly extends, whether in connection with LOANS ) to a debtor to defer payment of debt or to incur debt and defer its payment. I have the right to extend myself credit and use my open ended consumer credit plan.

LIGHTSTREAM has run my credit report and my credit card ( social security number ). I have proof from the Inquire I received on my report, making this a consumer credit transaction. A consumer credit transaction is primarily for PERSONAL, family, or household purposes.

I've explained where the credit comes from ( me ). I've explained how there shouldn't be any denials of credit ( extend myself credit ). Ive explained how all of LIghtStreams denial reasons are not found in the FCRA.

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 2018-06-29
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: Old information reappears or never goes away

Complaint:
In XXXX I sent a letter to Equifax to remove undeliverable addresses from my credit report. On XX/XX/XXXX, I received a letter from Equifax stating that the disputed address was removed. But when I receive current credit report the address still remains. The latest credit report is dated XX/XX/XXXX, and it is still listed on my report. Every time I request the information to be removed I receive a letter stating that it was deleted but it never disappears from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26
Company: MARINER FINANCE, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There are 2 collection accounts for Mariners on my credit report these items have been paid in full and did not go.into collections. The balance even shows " XXXX '' I have disputed these items several times with w/XXXX and they have declined to have them removed. They should confirm thisningotmation with Mariner Finance as they show paid as well and in fact I have a new loan with them for {$3000.00}. 

These negative items need to be removed

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 2018-04-13
Company: Key 2 Recovery, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been repeatedly called from a XXXX number regarding debt owed by my brother. I ignored the unknown number the first time and they left a voicemail stating they were calling about debt owed by ( my brothers name ). 
I later found out they also called two other siblings trying to track down my brother. 
They continued to call my number so I eventually answered, told them this was not the right number and asked them not to call again. Nonetheless, they began calling again so today I answered again. 

The caller stated that her name was XXXX XXXX, she worked for Key2 and her number was XXXX ext XXXX. 

Even though I told her this was the wrong number and I had already asked not to be called again, she continued to probe and try to determine my relation to her target and push me to get him in touch with her until I eventually hung up. 

I want this company to stop calling me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: Experian Information Solutions Inc.
State: CO
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:
My credit report is reporting other information that is not mine and misinformation is making my score go down.

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 2018-02-26
Company: BB&T CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
We purchased a XXXX XXXX XXXX inXX/XX/XXXX.  The loan was purchased by XXXX XXXX inXX/XX/XXXX. Account number XXXX. The balance at that time was XXXX ( see attached payment history ). The current balance is XXXX. The payments are just under XXXX per month, that would be XXXX payments through XX/XX/XXXX. We have had XXXX skipped payments which leaves a total of XXXX payments of XXXX a total of XXXX paid. 
I understand fees and interest but to have paid XXXX on a loan with the beginning balance of XXXX and the balance has only dropped XXXX is unbelievable. Due to these facts we are voluntarily surrendering the vehicle. We will never be able to pay it off at this rate. 
I don't want to be responsible for the balance of the loan after XXXX sales the it. 
What legal action can I take. Is there a class action suit I can take part in.

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 2018-05-09
Company: Central Portfolio Control Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I keep getting calls about my wife when she has sent them letters explaining identity theft and to stop contacting me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX  has two collections on my file for the same item. I disputed it and not only is it still there..but they changed all the dates and balances. DOES ANYONE EVEN CHECK THESE DISPUTE RESULTS? XXXX XXXX account number XXXX was listed as a high credit of {$750.00} and a balance of {$750.00}. I disputed that this was the same account as their account number XXXX that showed a balance of {$5400.00}. 

The {$750.00} was the monthly rental on that property. Instead of removing the {$750.00}, they changed the balance to {$5400.00} so that NOW IT IS LISTED TWICE. So you have a high credit of {$750.00} and a balance of {$5400.00}????? And a high credit of {$5400.00} on the other with a balance of {$5400.00} ... .to add to this the open date is XX/XX/XXXX with the last activity date XX/XX/XXXX ( SEVEN MONTHS BEFORE IT WAS OPENED ) on one and last activity of XX/XX/XXXX on the other. 

It is as if someone is just throwing numbers at the credit bureau and the bureau lists it no matter how ludicrous the numbers are.

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